NACHA Guide
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Overview
The NACHA ACH file format, as modified for specific GS Bank USA service features, is used to submit USD ACH transactions originated by our clients. Please note that GS makes all NACHA ‘Required’ fields as ‘Mandatory’.
The ACH Inbound Returns & NOCs File contains information of Return items and Notification of Change (NOC) entries for ACH transactions originated by clients through GS Bank USA.
File Structure
An ACH file contains multiple records, each with a fixed length of 94 characters and starting on a new line. The file follows the overall structure outlined below:
| 01 File Header | Mandatory information, present exactly once in the File |
|---|---|
| 02 Company/Batch Header | Beginning of the Batch |
| 03 Entry Details | First Entry record |
| 04 Addenda Record(s) | First Addenda |
| .......................... | |
| 03 Entry Details | Second Entry record |
| 04 Addenda Record(s) | Second Addenda |
| .......................... | |
| Company/Batch Control Record(s) | Beginning of Company/Batch control record |
| File Control record | Beginning of File control record |
| Blocking File Control record | Optional in GS format NACHA format requires total record count in file to be a multiple of 10. |
Permitted Character Set & Other Field Population Rules:
- Alphabets [A-Z; a-z]
- Numerals [0-9]
- Space
- Special characters: . , - ( ) / + ' = : ? @ _ # Cr Lf Space { ! " % & * ; < >|~`$^}[]
- Each field carries a fixed length and position as specified
- Alphanumeric fields are left-justified and “space” filled. Numeric fields are right-justified and “0” filled
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