How To

Overview of NachaTech Features

NachaTech is a software application that helps financial institutions validate NACHA files to eliminate rejections.


Generate Reversal ACH File

How to Generate ACH Reversal File with NachaTech

 

Here is the list of reversal codes, along with short descriptions

R01 - Insufficient Funds
R02 - Account Closed
R03 - No Account/Unable to Locate Account
R04 - Invalid Account Number
R06 - Returned per Originating Depository Request
R07 - Authorization Revoked by Customer
R08 - Payment Stopped
R09 - Uncollected Funds
R10 - Customer Advises not Authorized
R11 - Check Truncation Entry Return
R12 - Branch Sold to Another Depository
R13 - R.D.F.I. not Qualified to Participate
R14 - Representative Payee deceased
R15 - Beneficiary or Account Holder deceased
R16 - Account Frozen
R17 - File Record Edit Criteria
R18 - Improper Effective Entry Date
R19 - Amount Field Error
R20 - Non-transaction Account
R21 - Invalid Company Identification
R22 - Invalid Individual I.D. Number
R23 - Credit Entry Refused by Receiver
R24 - Duplicate Entry
R25 - Addenda Error
R26 - Mandatory Field Error
R27 - Trace Number Error
R28 - Routing Number Check Digit Error
R29 - Corporate Customer Advises not Authorized
R30 - RDFI not Participant 
R31 - Permissible return entry (CCD)
R32 - R.D.F.I. Non-Settlement
R33 - Return of XCK Entry
R34 - Limited Participation D.F.I.
R35 - Return of Improper Debit Entry
R36 - Return of Improper Credit Entry
R37 - Source Document Presented for Payment
R38 - Stop Payment on Source Document
R39 - Improper Source Document
R40 - Non Participant in E.N.R. Program
R41 - Invalid Transaction Code (E.N.R. only)
R42 - Routing Number/Check Digit Error
R43 - Invalid D.F.I. Account Number
R44 - Invalid Individual I.D. Number
R45 - Invalid Individual Name
R46 - Invalid Representative Payee Indicator
R47 - Duplicate Enrollment
R50 - State Law Prohibits Truncated Checks
R51 - Notice not Provided/Signature not Authentic
R52 - Stop Pay on Item
R53 - Item and A.C.H. Entry Presented for Payment
R61 - Misrouted Return
R62 - Incorrect Trace Number
R63 - Incorrect Dollar Amount
R64 - Incorrect Individual Identification
R65 - Incorrect Transaction Code
R66 - Incorrect Company Identification
R67 - Duplicate Return
R68 - Untimely Return
R69 - Field Errors
R70 - Permissible Return Entry Not Accepted
R71 - Misrouted Dishonor Return
R72 - Untimely Dishonored Return
R73 - Timely Original Return
R74 - Corrected Return
R75 - Original Return not a Duplicate
R76 - No Errors Found
R80 - Cross-Border Payment Coding Error
R81 - Non-Participant in Cross-Border Program
R82 - Invalid Foreign RDFI Identification
R83 - Foreign Receiving D.F.I. Unable to Settle
R84 - Entry Not Processed by O.G.O.

 


Generate Correction ACH File

How to Generate an ACH Correction File Using NachaTech

 

Here is the list of correction codes, along with short descriptions

C01 - Account Number
C02 - Routing Number
C03 - Routing Number & Account Number
C04 - Account Name
C05 - Transaction Code
C06 - Account Number and Transaction Code
C07 - Routing Number, Account Number, Trans Code
C09 - Individual ID Number
C10 - Company Name
C11 - Company Identification
C12 - Company Name & Company Identification
C13 - Addenda Format Error
C61 - Misrouted Notification of Change
C62 - Incorrect Trace Number
C63 - Incorrect Company Identification Number
C64 - Incorrect Individual Identification Number
C65 - Incorrectly Formatted Addenda Information
C66 - Incorrect Discretionary Data
C67 - Routing Number Not From Orig Trans 
C68 - DFI Account Number Not From Original Trans
C69 - Incorrect Transaction Code

 


Remove Transaction

Transactions may need to be removed from ACH files for various reasons. Transactions can be removed from their fields by right clicking on the transaction in the tree view and clicking remove.

 

 


Create ACH from CSV

NachaTech provides functionality to create an ACH file from a CSV file. The CSV file has 1 or more transactions listed on multiple rows. The CSV file is expected to have the following header.

RDFI,Account,Amount,Receiving Company Name

A shortened header for “Receiving Company Name” could be used as “Company.” Here is an example:

RDFI,Account,Amount,Company

Please be aware that uppercase, lowercase, and mixed-case headings are acceptable. So, the following are all acceptable headers

RDFI,ACCOUNT,AMOUNT,COMPANY

RDFI,Account,Amount,Company

rdfi,account,amount,company

Pressing the CSV button in the menu bar launches the CSV dialog box, as shown below.

Select a CSV file.

Then, click OK. The generated ACH is automatically loaded in NachaTech as shown below.

 


Batch Insights

NachaTech includes a Batch Insights panel at the bottom of the window, which is available in the third tab. This feature provides a bar chart that displays the amounts of each transaction. Debit transactions are displayed in blue as positive values, whereas credit transactions are shown in red as negative values.

Batch insights provide a visual to check if any transaction falls outside an expected range.


Bulk Update ACH File

Bulk update is a command-line tool for updating certain data elements in an ACH file. It is available in the Enterprise version.

Here is how to run the bulk update command:

nachatech.exe -b -c "bulk-changes.ini" -i "input.txt" -o "updated.txt"

Here is a sample bulk update configuration file.

[fileheader]
immediate.destination = 122000661
immediate.destination.name = Nova Scotia Bank
immediate.origin = 333333333
immediate.origin.name = Bank of America

[batchheader]
company.name = Good Company
company.id = 777
odfi = 12288866

[transaction]
rdfi = 12200066
check.digit = 1
dfi = 77777
identification = 678
receiving.company.name = Hello Bank

[batchcontrol]
company.id = 777
odfi = 12288866

The above fields in their respective record types are supported at the present time.

The program will update the values provided. Remove any values that do not need to be updated. For example, if odfi does need to be modified for batch control, then supply only the field that needs to be updated “company.id” as follows:

[batchcontrol]
company.id = 777

After performing the update, the program will recalculate the HASH values and save the updated document.


Command-Line ACH Validation

NachaTech CLI now supports command-line validation of ACH files. This feature enables automation of ACH validation.

Here is how to run command-line validation:

nachatech-cli.exe -v -i ach.txt

If the ACH file has validation errors, they will be displayed as follows:


1 : FileHeader -- Immediate Destination -- ABA lookup failed for 121140111 2 : BatchHeader -- Originating DFI ID -- Partial ABA lookup failed for 12114111 3 : Transaction -- RDFI -- Partial ABA lookup failed for 06400011 3 : Transaction -- Check Digit FAILED 5 : BatchControl -- hash 6400001 not matching calculated hash value 6400011 5 : BatchBatchControl -- Batch Control ODFI 12114039 not matching Batch Header ODFI 12114111 6 : FileControl -- hash 6400001 not matching calculated hash value 6400011