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File Header Record – type 1
The File Header record indicates specific file characteristics: the origin and destination of the file, the file creation date/time and other identification fields that allow the file to be identified uniquely.
| Field | Field Name | Requirement | Contents Type | Length | Start Position | End Position |
|---|---|---|---|---|---|---|
| 1 | RECORD TYPE CODE | Mandatory | Always ‘1’ | 1 | 1 | 1 |
| 2 | PRIORITY CODE | Mandatory | Always ‘01’ | 2 | 2 | 3 |
| 3 | IMMEDIATE DESTINATION | Mandatory | GS Bank routing number Always ‘b026015079’ (‘b’= space) | 10 | 4 | 13 |
| 4 | IMMEDIATE ORIGIN | Mandatory | Client selected identifier that identifies the file or its source. The 3 fields (Immediate Origin, File Creation Date & File ID Modifier) uniquely identify a file as received by GS Bank | 10 | 14 | 23 |
| 5 | FILE CREATION DATE | Mandatory | Date in ‘YYMMDD’ | 6 | 24 | 29 |
| 6 | FILE CREATION TIME | Mandatory | Time in ‘HHMM’ | 4 | 30 | 33 |
| 7 | FILE ID MODIFIER | Mandatory | Upper case A-Z Numeric 0-9. Start with ‘A’ for the first file of the day. Increment to ‘B’, ‘C’, and so on, up to ‘Z’ (followed by ‘0’ to ‘9’) for every subsequent file during the day | 1 | 34 | 34 |
| 8 | RECORD SIZE | Mandatory | Always ‘094’ | 3 | 35 | 37 |
| 9 | BLOCKING FACTOR | Mandatory | Always ‘10’ | 2 | 38 | 39 |
| 10 | FORMAT CODE | Mandatory | Always ‘1’ | 1 | 40 | 40 |
| 11 | IMMEDIATE DESTINATION NAME | Mandatory | Always “GS BANK USA” | 23 | 41 | 63 |
| 12 | IMMEDIATE ORIGIN NAME | Mandatory | Alphanumeric. Sending organization name | 23 | 64 | 86 |
| 13 | REFERENCE CODE | Optional | Alphanumeric Optional for your reference. Ignored by GS Bank | 8 | 87 | 94 |
File Header Record – Example
101 02601507911223344552006011330A094101GS BANK USA YOUR COMPANY NAME REF123AB
Company / Batch Header Record – type 5 – for CCD, CTX, PPD, WEB and TEL entries
The Company / Batch Header record indicates key transaction attributes that are common to all entries contained in the batch. Among other things, it indicates the Originator, the Effective Entry Date (settlement / value date), a brief description of the purpose and the Standard Entry Class Code common to all transactions in the batch
| Field | Field Name | Requirement | Contents/Type | Length | Start Position | End Position |
|---|---|---|---|---|---|---|
| 1 | RECORD TYPE CODE | Mandatory | Always ‘5’ | 1 | 1 | 1 |
| 2 | SERVICE CLASS CODE | Mandatory | Identifies the type of entries in the batch. Enter one of the following codes: * ‘200’ – Batch containing ACH Credits and Debits * ‘220’ – Batch containing ACH Credits only * ‘225’ – Batch containing ACH Debits only | 3 | 2 | 4 |
| 3 | COMPANY NAME | Mandatory | Alphanumeric Your organization name. Under NACHA rules, this field identifies the source of the transaction to the receiver, generally must contain the name by which the originator (your organization) is known to and readily recognized by the receiver | 16 | 5 | 20 |
| 4 | COMPANY DISCRETIONARY DATA | Optional | Alphanumeric For your company’s internal use, if desired. No specific format is required | 20 | 21 | 40 |
| 5 | COMPANY IDENTIFICATION | Mandatory | Alphanumeric Enter the Company ID as agreed between GS Bank and yourself | 10 | 41 | 50 |
| 6 | STANDARD ENTRY CLASS CODE1 | Mandatory | Alphanumeric Enter one of the following supported codes: * For ACH Credits: CCD, CTX, PPD * For ACH Debits: CCD, CTX, PPD, WEB, TEL | 3 | 51 | 53 |
| 7 | COMPANY ENTRY DESCRIPTION | Mandatory | Alphanumeric. Description of the purpose of the Entries in the batch that will be passed on to the receiver, e.g. PAYROLL, BILL PMT, etc. | 10 | 54 | 63 |
| 8 | COMPANY DESCRIPTIVE DATE | Optional | Alphanumeric Optional reference date that is passed on to the receiver for descriptive purposes, e.g. JAN 20, 011520. Note:- this date is not used for settlement or posting purposes. | 6 | 64 | 69 |
| 9 | EFFECTIVE ENTRY DATE | Mandatory | YYMMDD, Banking day on which settlement is to take place. Must be a valid date same as or up to 30 days in future from the date the file is received | 6 | 70 | 75 |
| 10 | SETTLEMENT DATE (JULIAN) | N/A | Reserved. Fill with spaces | 3 | 76 | 78 |
| 11 | ORIGINATOR STATUS CODE | Mandatory | Always ‘1’ | 1 | 79 | 79 |
| 12 | ORIGINATING DFI IDENTIFICATION | Mandatory | Always ‘02601507’ (first 8 digits of GS Bank’s routing number) | 8 | 80 | 87 |
| 13 | BATCH NUMBER | Mandatory | Numeric. Start with ‘0000001’ and increment by 1 for each subsequent batch in the file | 7 | 88 | 94 |
1 See section on Standard Entry Class codes for a further description of supported codes
Company / Batch Header Record – Example 5220ALPHA COMPANY 1234567890PPDPAYROLL JUN 20200701 1026015070000001
Entry Detail Record – type 6 – for CCD, PPD, WEB and TEL entries
The Entry Detail record provides information as relates to the Receiver of the transaction, specifically the account number and RDFI routing identifier and the amount. The field layout is largely consistent, but may vary for certain SEC codes. The below applies to CCD, PPD, WEB and TEL entries. Record structure for CTX and IAT entries is outlined in the next sections.
| Field | Field Name | Requirement | Contents / Type Length | Start Position | End Position |
|---|---|---|---|---|---|
| 1 | RECORD TYPE CODE | Mandatory | Always ‘6’ | 1 | 1 |
| 2 | TRANSACTION CODE | Mandatory | Numeric. Enter one of the following values: For Credits: * 22 – Checking account * 32 – Savings account * 23 – Checking account prenotification (zero-dollar) * 24 – Checking account zero dollar with remittance data (for CCD, CTX, and IAT Entries only) * 33 – Savings account prenotification (zero-dollar) * 34 – Savings account zero dollar with remittance data (for CCD, CTX, and IAT Entries only) For Debits: * 27 – Checking account credit * 37 – Savings account credit * 28 – Checking account prenotification (zero-dollar) * 29 – Checking account zero dollar with remittance data (for CCD, CTX, and IAT Entries only) * 38 – Savings account prenotification (zero-dollar) * 39 Zero dollar with remittance data (for CCD, CTX, and IAT Entries only) For Loan Credits: * 52 Loan Account * 53 Prenotification of Loan Account Credit (zero-dollar) * 54 Zero dollar with remittance data (for CCD and CTX Entries only) For Loan Debits: * 55 Loan Account Debit (Reversals Only) | 2 | 2 |
| 3 | RECEIVING DFI IDENTIFICATION | Mandatory | First 8 digits of the receiving depository financial institution (RDFI) routing number | 8 | 4 |
| 4 | CHECK DIGIT | Mandatory | Last digit of the receiving depository financial institution (RDFI) routing number | 1 | 12 |
| 5 | RECEIVER’S ACCOUNT NUMBER AT RDFI | Mandatory | Alphanumeric Receiver’s account number at the RDFI to be credited or debited | 17 | 13 |
| 6 | AMOUNT | Mandatory | Dollar and Cent Amount in dollars and cents. Must be unsigned, without a decimal point, right justified and filled with leading zeros. E.g. $230.56 is completed as 0000023056 | 10 | 30 |
| 7 | (INDIVIDUAL) IDENTIFICATION NUMBER | Optional | Alphanumeric Additional identifying reference for the receiver. Do not use Social Security Number (SSN) | 15 | 40 |
| 8 | INDIVIDUAL / RECEIVING COMPANY NAME | Mandatory | Alphanumeric Receiver name (individual or business / company name) | 22 | 55 |
| 9 | DISCRETIONARY DATA (CCD, PPD) / PAYMENT TYPE CODE (WEB, TEL) | Conditional | Alphanumeric. For WEB and TEL entries, this field must contain: * ‘R’ – for a recurring entry * ‘S’ – for a single entry * ‘ST’ – for standing instruction entry For CCD and PPD, this field is not used by GS Bank. Fill with spaces | 2 | 77 |
| 10 | ADDENDA RECORD INDICATOR | Mandatory | Numeric. Enter one of the following values: 0 – no addenda record for this Entry 1 – one or more addenda records follow this Entry | 1 | 79 |
| 11 | TRACE NUMBER | Mandatory | Numeric. Unique identifier for each Entry within the batch. The first 8 digits must correspond to GS Bank’s routing number ‘02601507’, followed by a sequence number in ascending order within the batch | 15 | 80 |
Entry Detail Record – Example
632111122223123456789 0000023062AB156325 JACK SMITH 0026015070000001
Entry Detail Record – type 6 – for CTX entries
| Field | Field Name | Requirement | Contents / Type Length | Start Position | End Position |
|---|---|---|---|---|---|
| 1 | RECORD TYPE CODE | Mandatory | Always ‘6’ | 1 | 1 |
| 2 | TRANSACTION CODE | Mandatory | Numeric. Enter one of the following values: For Credits: * 22 – Checking account * 32 – Savings account * 23 – Checking account prenotification (zero-dollar) * 33 – Savings account prenotification (zero-dollar) * 24 – Checking account zero dollar with remittance data (for CCD, CTX, and IAT Entries only) * 34 – Savings account zero dollar with remittance data (for CCD, CTX, and IAT Entries only) For Debits: * 27 – Checking account * 37 – Savings account * 28 – Checking account prenotification (zero-dollar) * 29 – Checking account zero dollar with remittance data (for CCD, CTX, and IAT Entries only) * 38 – Savings account prenotification (zero-dollar) * 39 – Savings account zero dollar with remittance data (for CCD, CTX, and IAT Entries only) For Loan Credits: 52 Loan Account 53 Prenotification of Loan Account Credit (zero-dollar) 54 Zero dollar with remittance data (for CCD and CTX Entries only) For Loan Debits: 55 Loan Account Debit (Reversals Only) | 2 | 2 |
| 3 | RECEIVING DFI IDENTIFICATION | Mandatory | First 8 digits of the receiving depository financial institution (RDFI) routing number | 8 | 4 |
| 4 | CHECK DIGIT | Mandatory | Last digit of the receiving depository financial institution (RDFI) routing number | 1 | 12 |
| 5 | RECEIVER’S ACCOUNT NUMBER AT RDFI | Mandatory | Alphanumeric Receiver’s account number at the RDFI to be credited or debited | 17 | 13 |
| 6 | AMOUNT | Mandatory | Dollar and Cents Amount in dollars and cents. Must be unsigned, without a decimal point, right justified and filled with leading zeros. E.g. $230.56 is completed as 0000023056 | 10 | 30 |
| 7 | IDENTIFICATION NUMBER | Optional | Alphanumeric Additional identifying information for the Receiver or Originator. | 15 | 40 |
| 8 | NUMBER OF ADDENDA RECORDS | Mandatory | Numeric. | 4 | 55 |
| 9 | RECEIVING COMPANY NAME / ID NUMBER | Mandatory | Alphanumeric. Receiver name. | 16 | 59 |
| 10 | RESERVED | N/A | Fill with spaces. | 2 | 75 |
| 11 | DISCRETIONARY DATA | Optional | Alphanumeric This field is currently not used by GS Bank. Fill with spaces. | 2 | 77 |
| 12 | ADDENDA RECORD INDICATOR | Mandatory | Numeric. Enter one of the following values: 0 – no addenda record for this Entry 1 – one or more addenda records follow this Entry | 1 | 79 |
| 13 | TRACE NUMBER | Mandatory | Numeric. Unique identifier for each Entry within the batch. The first 8 digits must correspond to GS Bank’s routing number ‘02601507’, followed by a sequence number in ascending order within the batch. | 15 | 80 |
Addenda Record – type 7 -for all
Addenda record(s) may be used to provide additional information relating to the Entry to the Receiver. The presence of an Addenda record(s) is indicated and validated against the Addenda record indicator in the Entry Detail record, and the Number of Addenda Records value (for CTX entries). IAT entries carry a special set of Addenda records that are described in the next section.
| Field | Field Name | Requirement | Contents / Type | Length | Start Position | End Position |
|---|---|---|---|---|---|---|
| 1 | RECORD TYPE CODE | Mandatory | Always ‘7’ | 1 | 1 | 1 |
| 2 | ADDENDA TYPE CODE | Mandatory | Always ‘05’ | 2 | 2 | 3 |
| 3 | PAYMENT RELATED INFORMATION | Optional | Alphanumeric Additional information related to payment for the receiver | 80 | 4 | 83 |
| 4 | ADDENDA SEQUENCE NUMBER | Mandatory | Numeric Sequence number starting with 0001 | 4 | 84 | 87 |
| 5 | ENTRY DETAIL SEQUENCE NUMBER | Mandatory | Numeric Last 7 digits of the Trace Number of the related Entry Detail record | 7 | 88 | 94 |
Company / Batch Control Record – type 8
The Company/Batch Control Record contains the counts, hash totals, and total dollar controls for the preceding Entries within the batch. All Entry Detail Records are hashed. Both Entry Detail Records and Addenda Records are included in the Entry/addenda counts; Batch Header and Batch Control Records are not included.
| Field | Field Name | Requirement | Contents / Type | Length | Start Position | End Position |
|---|---|---|---|---|---|---|
| 1 | RECORD TYPE CODE | Mandatory | Always ‘8’ | 1 | 1 | 1 |
| 2 | SERVICE CLASS CODE | Mandatory | Numeric. Should be the same as the Service Class Code of the associated Company / Batch Header record. | 3 | 2 | 4 |
| 3 | ENTRY/ ADDENDA COUNT | Mandatory | Numeric. Total number of entry and addenda records in the batch. | 6 | 5 | 10 |
| 4 | ENTRY HASH | Mandatory | Numeric. Sum of the 8-digit RDFI routing numbers in the Entry Detail records in the batch. Use the right-most 10 digits if the sum exceeds 10 digits, and fill with leading 0’s if less than 10 digits. | 10 | 11 | 20 |
| 5 | TOTAL DEBIT ENTRY DOLLAR AMOUNT | Mandatory | Dollar and Cent Sum of Entry Detail debit totals within the batch. | 12 | 21 | 32 |
| 6 | TOTAL CREDIT ENTRY DOLLAR AMOUNT | Mandatory | dollar and Cent Sum of Entry Detail credit totals within the batch. | 12 | 33 | 44 |
| 7 | COMPANY IDENTIFICATION | Mandatory | Alphanumeric. Should be the same as the Company ID of the associated Company / Batch Header record. | 10 | 45 | 54 |
| 8 | MESSAGE AUTHENTICATION CODE | N/A | Alphanumeric. Not used. Fill with spaces. | 19 | 55 | 73 |
| 9 | RESERVED | N/A | Fill with spaces | 6 | 74 | 79 |
| 10 | ORIGINATING DFI IDENTIFICATION | Mandatory | Always ‘02601507’ (first 8 digits of GS Bank’s routing number) | 8 | 80 | 87 |
| 11 | BATCH NUMBER | Mandatory | Numeric. Should be the same as the Batch Number of the associated Company / Batch Header record. | 7 | 88 | 94 |
Company / Batch Control Record – Example 822000000300333366660000000000000000003000001234567890 026015070000001
File Control Record – type 9
The File Control Record contains control totals for the entries, batches and blocks in the file.
| Field | Field Name | Requirement | Contents / Type | Length | Start Position | End Position |
|---|---|---|---|---|---|---|
| 1 | RECORD TYPE CODE | Mandatory | Always ‘9’ | 1 | 1 | 1 |
| 2 | BATCH COUNT | Mandatory | Numeric. Number of batches in the file. | 6 | 2 | 7 |
| 3 | BLOCK COUNT | Mandatory | Numeric. Total number of blocks in the file. Block = 10 records (including all Header and Control records and Blocking control records). | 6 | 8 | 13 |
| 4 | ENTRY/ADDENDA COUNT | Mandatory | Numeric. Total number of Entry Detail and Addenda records in the file. | 8 | 14 | 21 |
| 5 | ENTRY HASH | Mandatory | Numeric. Sum of all Entry Hash fields in each Company/Batch Control record contained within the file. Use the right-most 10 digits if the sum exceeds 10 digits, and fill with leading 0’s if less than 10 digits. | 10 | 22 | 31 |
| 6 | TOTAL DEBIT ENTRY DOLLAR AMOUNT IN FILE | Mandatory | Dollar and Cents Sum of Entry Detail debit totals within the file. | 12 | 32 | 43 |
| 7 | TOTAL CREDIT ENTRY DOLLAR AMOUNT IN FILE | Mandatory | Dollar and Cents Sum of Entry Detail credit totals within the file. | 12 | 44 | 55 |
| 8 | RESERVED | N/A | Always filled with spaces | 39 | 56 | 94 |
File Control Record – Example
9000003000002000000100077785554000000000000000000700000
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