ACH incomming and outgoing formats - comp.databases.pick

Message from discussion ACH incomming and outgoing formats

Dave

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More options 12 May, 23:14

Newsgroups: comp.databases.pick

From: Dave <da...@sysmarkinfo.com>

Date: Mon, 12 May 2008 15:14:13 -0700 (PDT)

Local: Mon 12 May 2008 23:14

Subject: Re: ACH incomming and outgoing formats

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On May 12, 9:57 am, mdsi2000 <mdsi2...@yahoo.com> wrote:

> All,
> Is anybody familiar with ACH file formats? I have written a couple of
> formats for this one bank and everything has been working fine. Now we
> are switching banks and they are asking for incoming and outgoing
> formats. I can't find anything on the ACH rules book about incoming
> and outgoing.

> Any help will be appreciated.

> Thanks,
> Peter G.

Peter,

I forwarded your inquiry to a friend of mine, Richard Bort, who is
involved with me in EDI and the banking industry and here is his
response:

Let me know if you need more information.

Rgds,

Dave Taylor
Sysmark Information Systems, Inc,
Authorized IBM Business Partner
800-SYSMARK (800-797-6275)
davet at sysmarkinfo dot com
www.sysmarkinfo.com

----from Richard Bort------

The ACH formats are all specified in a phonebook-size document called
"NACHA Rules," published by the National Automated Clearing House
Association. All banks are REQUIRED to use these formats exactly as
specified for all interbank transactions. The NACHA Rules specify the
outer, or interchange, enveloping structure as well as the structure
of the internal data content, with few exceptions. One exception is
the CTX format, in which the outer enveloping is according to NACHA
Rules and the enveloping surrounds a file structure containing the
business data in X12 format.

There is no distinction between "incoming" and "outgoing" formats;
what is "outgoing" to one bank is "incoming" to the other bank.

Most banks' application systems that deal with sending or receiving
payments have the interfaces built in so that the applications can
interface easily with the well-known and well-documented ACH, Fedwire,
and SWIFT formats.

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