Nacha File Format Specifications: User Guide

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ADMINISTRACIN DE TESORERA

User Guide

NACHA File
Format Specifications

Table of Contents
NACHA File Format Origination 

General Information 

File Header Record - The One Record 

Batch Header Record - The Five Record 

Entry Detail Record - The Six Record 

Addenda Record - The Seven Record 

International ACH - NACHA File Format 

10

IAT Company Batch Header 

10

IAT Entry Detail Record 

12

First IAT Addenda Record 

13

Second IAT Addenda Record

13

Third IAT Addenda Record

14

Fourth IAT Addenda Record

14

Fifth IAT Addenda Record

15

Sixth IAT Addenda Record

16

Seventh IAT Addenda Record

16

IAT Addenda Record for Remittance Information

17

File Control Record - The Nine Record 

21

TM-02-2002C rev. 06/14

NACHA File Format Origination


IMPORTANT NOTE: The formats outlined in this document were established by the National Automated Clearing House
Association (NACHA) and are subject to change. Please consult the most current edition of the ACH Rules published by
NACHA to ensure you are using the most up to date NACHA file format.

General Information
Field: A field is a group of characters or numbers that represent one piece of information. For example, Field 6 in the File
Header Record contains the time your ACH file was created.
Position: The position shows where in the record the field is located. Field 6 begins at position 30 and ends at position
33. That means that there are 29 characters preceding Field 6, and Field 6 occupies 4 spaces - 30, 31, 32, and 33.
Size: The size indicates the number of characters (called bits) that the field occupies. For example, Field 6 is made up of 4
bits.
Picture: This is the type of bit the ACH system is expecting to see. A 9 indicates a numeric value and an X indicates an
alphabetic value. If you put a letter in a PIC 9 position, the system will reject the field. If you see a number in parentheses
after the X or 9, that indicates the number of characters in that field. For example 9(10) means that field contains 10
numeric characters.
Contents: This is a sample of the information or the actual information that should be included in the field. If the
information is surrounded by single quote 1, it is the actual information BBVA Compass requires in that field.
Data Name: This is the name of the Field. If you are building your NACHA file from scratch, you may want to use the
names listed.
Comments: This is helpful information that we have included to further explain the information required in each field.
Record: Record refers to the collection of fields used to represent one set of information. For example, your name,
address, and phone number are individual fields of information within the record called You. For NACHA files, each
record occupies one line.
Please Note: The formats outlined in this document can be used to format PPD, CCD and IAT files. If you are originating
other types of ACH transactions, please refer to the most current edition of the ACH Rules. For Consumer ACH files
(Direct Deposit, Consumer Debits) please refer to the PPD formats contained in this document. For Corporate ACH files
(Corporate Payments, Corporate Debits, Cash Concentration) please refer to the CCD formats in this document. For
International ACH Transactions, please refer to the IAT formats in this document.

File Header Record - The One Record


Format: PPD, CCD and IAT
This the the first record of your ACH file.
File Header Record Format - For use with all ACH files.
Field

Position Size

Picture

Contents

Data Name

01

Record Type Code

02-03

9(2)

01

Priority Code

04-13

10

X(10)

062001186 Immediate
Destination

14-23

10

X(10)

24-29

9(6)

30-33

9(4)

34

35-37

9(3)

38-39

10

40

11

Comments

This is BBVA Compass routing number


preceded by a space.

Immediate Origin

This is the ACH identification number


BBVA Compass has established
for your company. Your Treasury
Management Officer (TMO) or
Implementation Coordinator will
provide this information to you. It is
usually one digit followed by your
companys TIN.

YYMMDD

File Creation Date

This is the date your file was created.

HHMM

File Creation Time

This is the time your file was created in


military time.

File ID Modifier

This helps identify multiple files created


on the same date. A is the first file; B is
the second, etc.

094

Record Size

This is the total number of characters


contained in each record within your
NACHA formatted file.

9(2)

10

Blocking Factor

This is the number of records that will


be imported into the ACH system at
one time. Please do not change. If the
total number of records contained in
your file are not a multiple of 10, the
remaining records must be 9 filled.

Format Code

41-63

23

X(23)

COMPASS
BANK

Immediate
Destination Name

This is where the file is going, the


name of your bank. Please do not
change.

12

64-86

23

X(23)

Your
Company
Name

Immediate
Origin Name

Put the name of your company here.

13

87-94

X(8)

Reference Code

Please leave this field blank.

Batch Header Record - The Five Record


Format: PPD and CCD
You must have a Batch Header Record for each batch in your ACH file.
PPD/CCD Batch Header Record Format
Field

Position Size

Picture

Contents

Data Name

01

Record Type Code

02-04

9(3)

Service Class Code

Comments
Select one of the following codes
depending on the type of ACH entries
your are originating:
200 Debits and Credits are contained
in this batch.
220 Only Credits are contained in this
batch.
225 Only Debits are contained in this
batch.

05-20

16

X(16)

Company Name

Put the name of your company here.


Please make sure the name matches
the name in the File Header Record.

21-40

20

X(20)

Company
Discretionary Data

This field allows you to include codes


for internal purposes. This field is not
used by the ACH system.

41 -50

10

X(10)

Company ID

This is the ACH identification number


BBVA Compass has established
for your company. Your TMO or
Implementation Coordinator will
provide this information to you. It is
usually one digit followed by your
companys TIN.

51 -53

X(3)

Standard Entry
Class Code

The code you will use will depend on


the type of ACH transactions you are
originating:
PPD Direct Deposit, Consumer Debit
CCD Corporate Payments, Corporate
Debits, Cash Concentration

54-63

10

X(10)

64-69

X(6)

70-75

X(6)

10

76-78

X(3)

Company Entry
Description

Use this field to describe the purpose


of the entry to the Receiver. For
example, if this batch is for payroll, you
may use PAYROLL as the description.

YYMMDD

Company
Descriptive Date

Use this optional field to show a date


you would like the Receiver to see. This
field is for descriptive purposes only
and is not used to control the timing of
any operation.

YYMMDD

Effective Entry Date This is the date on which you intend


this batch of ACH entries to settle.
Julian Settlement
Date

Leave blank. The date will be inserted


by the Federal Reserve (ACH
Operator).

PPD/CCD Batch Header Record Format


Field

Position Size

Picture

Contents

Data Name

Comments

11

79

Originator Status
Code

12

80-87

X(8)

06200118

Originating DFI ID

This is the first 8 digits of BBVA


Compass routing number.

13

88-94

9(7)

Batch Number

This should be 0000001 and be


incremented by 1 for each batch in
your file.

Batch Header Record - The Five Record


Format: IAT
You must have a Batch Header Record for each batch in your ACH file.
IAT Batch Header Record Format
Field

Position Size

Picture

Contents

Data Name

01

Record Type Code

02-04

9(3)

Service Class Code

Comments
Select one of the following codes
depending on the type of ACH entries
your are originating:
200 Debits and Credits are contained
in this batch.
220 Only Credits are contained in this
batch.
225 Only Debits are contained in this
batch.

05-20

16

X(16)

21 -22

X(2)

FF or FV

IAT Indicator

Leave blank. This is only used for


Notification of Changes related to IAT
entries.

Foreign Exchange
Indicator

FF Fixed-to-Fixed - Entry is originated


in a fixed value amount and is to
be received in the same fixed value
amount in the same currency
denomination.
FV Fixed-to-Variable - Entry is
originated in a fixed value amount and
is to be received in a variable amount
resulting from the execution of the
foreign exchange conversion.

23

Foreign Exchange
Reference Indicator

24-38

15

X(15)

Space Filled Foreign Exchange


Reference

39-40

X(2)

US

ISO Destination
Country Code

IAT Batch Header Record Format


Field

Position Size

Picture

Contents

41 -50

10

X(10)

51 -53

X(3)

10

54-63

10

X(10)

11

64-66

X(3)

12

67-69

X(3)

13

70-75

9(6)

14

76-78

9(3)

15

79

Originator Status
Code

16

80-87

X(8)

06200118

GO Identification/
Originating DFI ID

17

88-94

9(7)

IAT

Data Name

Comments

Originator ID

This is the ACH identification number


BBVA Compass has established
for your company. Your TMO or
Implementation Coordinator will
provide this information to you. It is
usually one digit followed by your
companys TIN.

Standard Entry
Class Code
Company Entry
Description

USD

ISO Originating
Currency Code
ISO Destination
Currency Code

YYMMDD

Use this field to describe the purpose


of the entry to the Receiver. For
example, if this batch is for payroll, you
may use PAYROLL as the description.

Use this field to identify the currency


denomination in which the entry is
to be received. Use the 3-character
currency code approved by the
International Organization for
Standardization (ISO).

Effective Entry Date This is the date on which you intend


this batch of ACH entries to settle.
Julian Settlement
Date

Batch Number

Leave blank. The date will be inserted


by the Federal Reserve (ACH
Operator).

This should be 0000001 and be


incremented by 1 for each batch in
your file.

Entry Detail Record - The Six Record


Format: PPD
Each record contains information about the Receiver. For example, in a Payroll file, each Six Record represents a deposit
to one employee.
PPD Entry Detail Format - For use with Direct Deposit of Payroll and Consumer Debit ACH files.
Field

Position Size

Picture

Contents

Data Name

01

Record Type Code

02-03

9(2)

Transaction Code

Comments
Choose the appropriate Transaction
Code from this list:
22 Live Checking Account Credit
23 Pre-note Checking Account Credit
27 Live Checking Account Debit
28 Pre-note Checking Account Debit
32 Live Savings Account Credit
33 Pre-note Savings Account Credit
37 Live Savings Account Debit
38 Pre-note Savings Account Debit

04- 11

X(8)

Receiving DFI ID

This is the first eight digits of the


routing number of the bank at which
your customer/employee banks.
Beware of numbers that do not
begin with a 0, 1 or 2. Those are NOT
routing numbers. Enter 06200118 for
Compass PaySource Card entries.

12

Check Digit

This is the last digit of the routing


number. Enter 6 for Compass
PaySource Card entries.

13-29

17

X(17)

DFI Account
Number

Your employees or customers bank


account number. Use the cardholder
account number for Compass
PaySource Card entries.

30-39

10

9(10)

40-54

15

X(15)

Individual ID
Number

This is the identification number you


assign to your employee or customer.

55-76

22

X(22)

Individual Name

The name of your employee or


customer.

77-78

X(2)

Discretionary Data

Use this optional field for internal


purposes.

$$$$$$$$ Amount

This is the dollar amount you are


crediting or debiting the Receiver.
The decimal point is implied, not hard
coded.

PPD Entry Detail Format - For use with Direct Deposit of Payroll and Consumer Debit ACH files.
Field

Position Size

Picture

Contents

Data Name

Comments

10

79

0 or 1

Addenda Record
Indicator

0 = Entry does not have


an Addenda Record
1 = Entry has an Addenda Record

11

80-94

15

9(15)

Trace Number

First eight digits equal 06200118; last


seven digits must be incremented by 1
for each Entry Detail Record.

Entry Detail Record - The Six Record


Format: CCD
Each record contains information about the Receiver. For example, in a Corporate Payment file, each Six Record
represents a payment to one company.
CCD Entry Detail Format - For use with Corporate Payments, Corporate Debits and Cash Concentration.
Field

Position Size

Picture

Contents

Data Name

01

Record Type Code

02-03

9(2)

Transaction Code

Comments
Choose the appropriate Transaction
Code from this list:
22 Live Checking Account Credit
23 Pre-note Checking Account Credit
27 Live Checking Account Debit
28 Pre-note Checking Account Debit
32 Live Savings Account Credit
33 Pre-note Savings Account Credit
37 Live Savings Account Debit
38 Pre-note Savings Account Debit

04-11

X(8)

Receiving DFI ID

This is the first eight digits of the


routing number of the bank at which
your customer or vendor banks.
Beware of numbers that do not begin
with a 0, 1 or 2. Those are NOT routing
numbers.

12

Check Digit

This is the last digit of the routing


number.

13-29

17

X(17)

DFI Account
Number

This is your customers or vendors


bank account number.

30-39

10

9(8)V99

40-54

15

X(15)

$$$$$$$$ Amount

ID Number

This is the dollar amount you are


crediting or debiting the Receiver.
The decimal point is implied, not hard
coded.
This is the identification number you
assign to your customer or vendor.

CCD Entry Detail Format - For use with Corporate Payments, Corporate Debits and Cash Concentration.
Field

Position Size

Picture

55-76

22

77-78

10

11

Contents

Data Name

Comments

X(22)

Receiving
Company Name

The name of the company you are


debiting or crediting.

X(2)

Discretionary Data

Use this optional field for internal


purposes.

79

Addenda Record
Indicator

0 = Entry does not have


an Addenda Record.
1 = Entry has an Addenda Record.

80-94

15

9(15)

Trace Number

First eight digits equal 06200118; last


seven digits must be incremented by 1
for each Entry Detail Record.

0 or 1

Addenda Record - The Seven Record


Format: PPD and CCD
This record is optional. It may be used if you would like to include extra information that the Receiver needs to properly
apply the entry.
PPD/CCD Addenda Record Format
Field

Position Size

Picture

Contents

Data Name

Comments

01

Record Type Code

02-03

9(2)

05

Addenda Type
Code

04-83

80

X(80)

Payment Related
Information

84-87

9(4)

Addenda Sequence This number is consecutively assigned


Number
to each Addenda Record following an
Entry Detail Record. The first number
must be 0001.

88-94

9(7)

Entry Detail
Sequence Number

This is where you place the payment


information, such as invoice number,
contract number, etc.

This number is the same as the last


seven digits of the Trace Number in
the related Entry Detail Record.

International ACH - NACHA File Format


Format: IAT
This format can be used to create a NACHA formatted file for International ACH transactions (domestic or cross-border).
Please refer to the appropriate country/region column based on the destination country for your transactions.
IAT Company File Header
Format Requirements
Size

Data Name

Regional Variations
Inclusion
Requirement

Field

Position

USA

Canada

Europe

Mexico

Panama

01-01

Record Code

1 Always

02-03

Priority Code

01 Always

04-13

10

Immediate Destination

062001186 Always

14-23

10

Immediate Origin

This is the ACH Company ID number BBVA Compass has established for
your company. Your treasury management officer or implementation
coordinator will provide this to you.

24-29

File Creation Date

This is the date your file was created. Use YYMMDD format.

30-33

File Creation Time

This is the time your file was created in military time. Use HHMM format.

34-34

File ID Modifier

This helps identify multiple files created on the same date. Use A for the
first file; B for the second, etc.

35-37

Record Size

094 Always

38-39

Blocking Factor

10 Always

10

40-40

Format Code

1 Always

11

41-63

23

Immediate Destination Name

Compass Bank Always

12

64-86

23

Immediate Origin
Name

Your Company Name

13

87-94

Reference Code

Leave Blank

IAT Company Batch Header


Format: IAT
IAT Company Batch Header
Format Requirements
Field

Position

01-01

02-04

Regional Variations

DataName

Inclusion
Requirement

Record Type Code

5 Always

Service Class
Code

225 Debits only

Size

USA

220 Credits
only
200 Mixed
credits and
debits

10

Canada
220 Always

Europe

Mexico

Panama

IAT Company Batch Header


Format Requirements
Size

DataName

Regional Variations
Inclusion
Requirement

Field

Position

USA

Canada

Europe

Mexico

05-20

16

IAT Indicator

Blank

21-22

FX Indicator

FF (Fixedto-fixed)

FF (Fixedto-fixed for
USD Only)
FV (Fixed
to variable)

FF (Fixedto-fixed for
USD only)
FV (Fixed
to variable)

FV (Fixed
to variable)

FF (Fixedto-fixed)

23-23

FX Reference
Indicator

3 Always

24-38

15

FX Reference

Blank

39-40

ISO Destination
Country Code

US

CA

See list of
country
and
currency
codes for
valid codes
for Europe

MX

PA

41-50

10

Originator Identification Number

Assigned by BBVA Compass

51-53

Standard Entry
Class Code

IAT Always

10

54-63

10

Company Entry
Description

Provided by originator. Enter a description of the entry, such as


PAYROLL or VENDOR PMT

11

64-66

ISO Originating
Currency Code

USD

12

67-69

ISO Destination
Currency Code

USD
Always

USD for
Fixed-toFixed CAD
for Fixedto-Variable

CHF Swiss
Franc

MXN
Always

Panama

USD
Always

EUR - Euro
GBP Great
British
Pound
USD- US
Dollar

13

70-75

Effective Entry
Date

YYMMDD

14

76-78

Settlement Date

Inserted by ACH
Operator

15

79-79

Originator Status
Code

1 Always

16

80-87

GO Identification/
ODFI Identification

06200118 Always

17

88-94

Batch Number

Start at ODFI designated number

Blank

11

IAT Entry Detail Record


Format: IAT
IAT Entry Detail Record
Format Requirements
Field

Position

01-01

02-03

Regional Variations

Data Name

Inclusion
Requirement

Record Type Code

6 Always

Transaction Code

22 Checking
Credits

22 Checking
Credits

32 Savings
Credits

32 - Savings
Credits

Size

USA

52 - Loan
Credits

12

Canada

Europe
22 Checking
Credits

Mexico
22 Checking
Credits

22 Checking
Credits

32 - Savings
Credits

32 - Savings
Credits

52 - Loan
Credits

52 - Loan
Credits

04-11

GO Identification/
RDFI Identification

R/T number
of the
receiving
US bank

12-12

Check Digit

9th digit of number above - including with Field #3

13-16

Number of Addenda Records

Total number of Addenda

17-29

13

RESERVED

30-39

10

Amount

Amount of payment

40-74

35

Foreign Receivers
Acct No. /DFI Acct
No.--M

Account
number of
receiver

75-76

RESERVED

10

77-77

11

78-78

12
13

N/A

091050234

Panama

061050057

091050700

091050807

Blank

Account
number
of receiver
(Note: not
to exceed 12
digits)

N/A

Blank

Gateway Operator
OFAC Screening
Indicator

Blank

Secondary OFAC
Screening Indicator

Blank

79-79

Addenda Record
Indicator

1 Always

80-94

15

Trace Number

Assigned by ODFI

Account
number of
receiver /
IBAN (Note:
Alphabetical
characters
in the
IBAN are
capitalized)

Account
number
of receiver
(Note: Use
18 digits for
CLABE # and
16 digits for
Debit card #)

Account
number of
receiver

First IAT Addenda Record


Format: IAT
First IAT Addenda Record
Format Requirements
Field

Position

01-01

02-03

04-06

Regional Variations

Data Name

Inclusion
Requirement

Record Type Code

7 Always

Addenda Type
Code

10 Always

Transaction Type
Code

Type of payment:

Size

USA

Canada

Europe

ANN - Annuity

MOR - Mortgage

BUS - Business/Commercial

PEN - Pension

DEP - Deposit

RLS - Rent/Lease

LOA - Loan

SAL - Salary

MIS - Miscellaneous

TAX - Tax Payment

07-24

18

Foreign Payment
Amount

This field
should
contain
the USD
amount
or may be
blank

25-46

22

Foreign Trace
Number

Insert blanks or zeros

47-81

35

Receiving Company Name/Individual Name

Provided by Originator (customer name).

82-87

RESERVED

88-94

Entry Detail Sequence Number

N/A
M

Mexico

For FF
payments,
this field
should
contain the
USD amount
or may be
blank. For FV
payments,
this field
should be 0.

For FV or
FF in USD
payments
this field
should be 0.

For FV
payments
this field
should be 0.

Panama

This field
should
contain the
USD amount
or may be
blank

Blank
Last 7 digits used for the trace number in the Entry Detail Record

Second IAT Addenda Record


Format: IAT
Second IAT Addenda Record
Format Requirements

Regional Variations

Data Name

Inclusion
Requirement

Record Type Code

7 Always

02-03

Addenda Type
Code

11 Always

04-38

35

Originator Name

Originators Name

39-73

35

Originator Street
Address

Originators physical address

Field

Position

01-01

Size

USA

Canada

Europe

Mexico

Panama

13

Second IAT Addenda Record


Format Requirements
Field

Position

Size

Data Name

74-87

14

RESERVED

88-94

Entry Detail Sequence Number

Regional Variations
Inclusion
Requirement
N/A
M

USA

Canada

Europe

Mexico

Panama

Blank
Last 7 digits used for the trace number in the Entry Detail Record

Third IAT Addenda Record


Format: IAT
Third IAT Addenda Record
Format Requirements

Regional Variations

Data Name

Inclusion
Requirement

Record Type Code

7 Always

Addenda Type
Code

12 Always

04-38

35

Originator City &


State/Province

Originators City and State (Note: Use an asterisk * to separate each element
and a backslash \ at the end of the record)

39-73

35

Originator Country & Postal Code

Originators Country and Zip code (Note: Must use a valid ISO Code from country
code list as the country name. Also, use an asterisk * to separate each element
and a backslash \ at the end of the record)

74-87

14

RESERVED

88-94

Entry Detail Sequence Number

Field

Position

01-01

02-03

Size

N/A
M

USA

Canada

Europe

Mexico

Panama

Blank
Last 7 digits used for the trace number in the Entry Detail Record

Fourth IAT Addenda Record


Format: IAT
Fourth IAT Addenda Record
Format Requirements
Data Name

Inclusion
Requirement

Record Type Code

7 Always

02-03

Addenda Type
Code

13 Always

04-38

35

Originating DFI
Name

BBVA Compass Always

39-40

Originating DFI
Identification
Number Qualifier

01 Always (means National Clearing System)

41-74

34

Originating DFI
Identification

062001186 Always

75-77

Originating DFI
Branch Country
Code

US - Two-character ISO code assigned to the ODFIs country

Field

Position

01-01

14

Regional Variations

Size

USA

Canada

Europe

Mexico

Panama

Fourth IAT Addenda Record


Format Requirements
Field

Position

Size

Data Name

78-87

10

RESERVED

88-94

Entry Detail Sequence Number

Regional Variations
Inclusion
Requirement
N/A
M

USA

Canada

Europe

Mexico

Panama

Blank
Last 7 digits used for the trace number in the Entry Detail Record

Fifth IAT Addenda Record


Format: IAT
Fifth IAT Addenda Record
Format Requirements

Regional Variations

Data Name

Inclusion
Requirement

Record Type Code

7 Always

Addenda Type
Code

14 Always

04-38

35

Receiving DFI
Name

RDFIs name

39-40

Receiving DFI
Identification
Number Qualifier

01 Always
(National
Clearing
System)

01 Always
(National
Clearing
System)

02 Always
(BIC Code)

01 Always
(National
Clearing
System)

01 Always
(National
Clearing
System)

41-74

34

Receiving DFI
Identification

Enter US
banks
routing
transit
number

Foreign
RDFIs
routing
transit
number

Insert
Foreign
RDFIs
routing
transit
number
(Note:
Alphabetical
characters
in the BIC
are in capital
letters.)

Foreign
RDFIs
routing
transit
number
(3-digit ABM
of RDFI)

Foreign
RDFIs
routing
transit
number
(9-digits of
RDFI)

75-77

Receiving DFI
Branch Country
Code

US

CA

See list of
country and
currency
codes for
valid codes
for Europe

MX

PA

78-87

10

RESERVED

88-94

Entry Detail Sequence Number

Field

Position

01-01

02-03

Size

N/A
M

USA

Canada

Europe

Mexico

Panama

Blank
Last 7 digits used for the trace number in the Entry Detail Record

15

Sixth IAT Addenda Record


Format: IAT
Sixth IAT Addenda Record
Format Requirements

Regional Variations

Data Name

Inclusion
Requirement

Record Type Code

7 Always

02-03

Addenda Type
Code

15 Always

04-18

15

Receiver Identification Number

Used by the Originator to identify the Receiver or may be used for tracing
purposes

19-53

35

Receiver Street
Address

Receivers physical address

54-87

34

RESERVED

88-94

Entry Detail Sequence Number

Field

Position

01-01

Size

N/A
M

USA

Canada

Europe

Mexico

Panama

Blank
Last 7 digits used for the trace number in the Entry Detail Record

Seventh IAT Addenda Record


Format: IAT
Seventh IAT Addenda Record
Format Requirements
Data Name

Inclusion
Requirement

Record Type Code

7 Always

Addenda Type
Code

16 Always

04-38

35

Receiver City &


State /Province

Receivers City, State/Province location (Note: Use an asterisk * to separate each


element and a backslash \ at the end of the record)

39-73

35

Receiver Country
and Postal Code

Receivers Country & Zip Code (Note: Must use a valid ISO Code from country
code list as the country name. Also, use an asterisk * to separate each element
and a backslash \ at the end of the record)

74-87

14

RESERVED

88-94

Entry Detail Sequence Number

Field

Position

01-01

02-03

16

Regional Variations

Size

N/A
M

USA

Canada

Europe

Mexico

Blank
Last 7 digits used for the trace number in the Entry Detail Record

Panama

IAT Addenda Record for Remittance Information


Format: IAT
IAT Addenda Record for Remittance Information
Format Requirements

Regional Variations

Data Name

Inclusion
Requirement

Record Type Code

7 Always

02-03

Addenda Type
Code

17 Always

04-83

80

Payment Related
Information

Free form
text

84-87

Addenda Sequence Number

Sequence number of Type Code 17 addenda records in ascending order


beginning with 0001

88-94

Entry Detail Sequence Number

Last 7 digits used for the trace number in the Entry Detail Record

Field

Position

01-01

Size

USA

Canada

Free form
text

Europe

Free form
text (Note:
Since field
lengths vary
between
payment
systems,
only the
first 120
characters
will be
delivered if
multiple IAT
Remittance
Information
addenda
records are
used.)

Mexico

Free form
text

Panama

Free form
text

National Automated Clearing House rules require that countries specified in IAT transactions be identified using the
two character International Organization for Standards (ISO) country codes. Failure to use these codes will result in the
rejection of IAT transactions. The ISO country codes are listed in the chart below for your reference. Please be sure that
these codes are used instead of explicit country names such as United Kingdom, or other non-conforming country
designations (UK etc.).
The BBVA Compass service presently reaches Canada, Mexico, Panama, and the European Union
Austria, Belgium, Cyprus, Czech Republic, Denmark, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta,
Netherlands, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom. Additional country codes
are provided for proper formatting of IATs funded from offshore accounts for domestic US ACH transactions.
ISO
Abbrev.

Country

ISO
Abbrev.

Country

ISO
Abbrev.

Country

AF

Afghanistan

AL

Albania

DZ

Algeria

AS

American Samoa

AD

Andorra

AO

Angola

AI

Anguilla

AQ

Antarctica

AG

Antigua and Barbuda

AR

Argentina

AM

Armenia

AW

Aruba

AU

Australia

AT

Austria

AZ

Azerbaijan

BS

Bahamas

BH

Bahrain

BD

Bangladesh

17

ISO
Abbrev.

Country

ISO
Abbrev.

Country

ISO
Abbrev.

Country

BB

Barbados

BY

Belarus

BE

Belgium

BZ

Belize

BJ

Benin

BM

Bermuda

BT

Bhutan

BO

Bolivia, Plurinational State of

BQ

Bonaire, Sint Eustatius and Saba

BA

Bosnia and Herzegovina

BW

Botswana

BV

Bouvet Island

BR

Brazil

IO

British Indian Ocean Territory

BN

Brunei Darussalam

BG

Bulgaria

BF

Burkina Faso

BI

Burundi

KH

Cambodia

CM

Cameroon

CA

Canada

CV

Cape Verde

KY

Cayman Islands

CF

Central African Republic

TD

Chad

CL

Chile

CN

China

CX

Christmas Island

CC

Cocos (Keeling) Islands

CO

Colombia

KM

Comoros

CG

Congo

CD

Congo, the Democratic Republic


of the

CK

Cook Islands

CR

Costa Rica

CI

Cote dIvoire !Cte dIvoire

HR

Croatia

CU

Cuba

CW

Curacao !Curaao

CY

Cyprus

CZ

Czech Republic

DK

Denmark

DJ

Djibouti

DM

Dominica

DO

Dominican Republic

EC

Ecuador

EG

Egypt

SV

El Salvador

GQ

Equatorial Guinea

ER

Eritrea

EE

Estonia

ET

Ethiopia

FK

Falkland Islands (Malvinas)

FO

Faroe Islands

FJ

Fiji

FI

Finland

FR

France

GF

French Guiana

PF

French Polynesia

TF

French Southern Territories

GA

Gabon

GM

Gambia

GE

Georgia

DE

Germany

GH

Ghana

GI

Gibraltar

GR

Greece

GL

Greenland

GD

Grenada

GP

Guadeloupe

GU

Guam

GT

Guatemala

GG

Guernsey

GN

Guinea

GW

Guinea-Bissau

GY

Guyana

HT

Haiti

HM

Heard Island and McDonald


Islands

VA

Holy See (Vatican City State)

HN

Honduras

HK

Hong Kong

HU

Hungary

IS

Iceland

IN

India

ID

Indonesia

IR

Iran, Islamic Republic of

IQ

Iraq

IE

Ireland

IM

Isle of Man

IL

Israel

IT

Italy

JM

Jamaica

JP

Japan

JE

Jersey

JO

Jordan

KZ

Kazakhstan

KE

Kenya

KI

Kiribati

KP

Korea, Democratic Peoples


Republic of

KR

Korea, Republic of

KW

Kuwait

KG

Kyrgyzstan

LA

Lao Peoples Democratic


Republic

LV

Latvia

LB

Lebanon

LS

Lesotho

LR

Liberia

LY

Libya

LI

Liechtenstein

LT

Lithuania

LU

Luxembourg

MO

Macao

MK

Macedonia, the former Yugoslav


Republic of

MG

Madagascar

MW

Malawi

MY

Malaysia

MV

Maldives

ML

Mali

MT

Malta

MH

Marshall Islands

MQ

Martinique

MR

Mauritania

MU

Mauritius

YT

Mayotte

MX

Mexico

FM

Micronesia, Federated States of

MD

Moldova, Republic of

MC

Monaco

MN

Mongolia

18

ISO
Abbrev.

Country

ISO
Abbrev.

Country

ISO
Abbrev.

Country

ME

Montenegro

MS

Montserrat

MA

Morocco

MZ

Mozambique

MM

Myanmar

NA

Namibia

NR

Nauru

NP

Nepal

NL

Netherlands

NC

New Caledonia

NZ

New Zealand

NI

Nicaragua

NE

Niger

NG

Nigeria

NU

Niue

NF

Norfolk Island

MP

Northern Mariana Islands

NO

Norway

OM

Oman

PK

Pakistan

PW

Palau

PS

Palestine, State of

PA

Panama

PG

Papua New Guinea

PY

Paraguay

PE

Peru

PH

Philippines

PN

Pitcairn

PL

Poland

PT

Portugal

PR

Puerto Rico

QA

Qatar

RE

Reunion !Runion

RO

Romania

RU

Russian Federation

RW

Rwanda

BL

Saint Barthelemy !Saint


Barthlemy

SH

Saint Helena, Ascension and


Tristan da Cunha

KN

Saint Kitts and Nevis

LC

Saint Lucia

MF

Saint Martin (French part)

PM

Saint Pierre and Miquelon

VC

Saint Vincent and the


Grenadines

WS

Samoa

SM

San Marino

ST

Sao Tome and Principe

SA

Saudi Arabia

SN

Senegal

RS

Serbia

SC

Seychelles

SL

Sierra Leone

SG

Singapore

SX

Sint Maarten (Dutch part)

SK

Slovakia

SI

Slovenia

SB

Solomon Islands

SO

Somalia

ZA

South Africa

GS

South Georgia and the South


Sandwich Islands

SS

South Sudan

ES

Spain

LK

Sri Lanka

SD

Sudan

SR

Suriname

SJ

Svalbard and Jan Mayen

SZ

Swaziland

SE

Sweden

CH

Switzerland

SY

Syrian Arab Republic

TW

Taiwan, Province of China

TJ

Tajikistan

TZ

Tanzania, United Republic of

TH

Thailand

TL

Timor-Leste

TG

Togo

TK

Tokelau

TO

Tonga

TT

Trinidad and Tobago

TN

Tunisia

TR

Turkey

TM

Turkmenistan

TC

Turks and Caicos Islands

TV

Tuvalu

UG

Uganda

UA

Ukraine

AE

United Arab Emirates

GB

United Kingdom

US

United States

UM

United States Minor Outlying


Islands

UY

Uruguay

UZ

Uzbekistan

VU

Vanuatu

VE

Venezuela, Bolivarian Republic


of

VN

Viet Nam

VG

Virgin Islands, British

VI

Virgin Islands, U.S.

WF

Wallis and Futuna

EH

Western Sahara

YE

Yemen

ZM

Zambia

ZW

Zimbabwe

19

Batch Control Record - The Eight Record


Format: PPD, CCD and IAT
This is the last data record of your batch. You should have a Batch Control Record for each batch contained in your file.
Batch Control Record Format - For use with all ACH files
Field

Position Size

Picture

Contents

Data Name

01

Record Type Code

02-04

9(3)

Service Class Code

Comments
Select one of the following codes
depending on the type of ACH entries
you are originating:
200 Debits and Credits are contained
in this batch.
220 Only Credits are contained in this
batch.
225 Only Debits are contained in this
batch.
This must match the Batch Header
Record.

20

05-10

9(6)

Entry/Addenda
Count

The total of all Entry Detail and


Addenda Records in the batch.

11-20

10

9(10)

Entry Hash

This is the sum of all the RDFI routing


numbers in each Entry Detail Record
in the batch. Sum the first 8 digits only
and truncate to the left.

21-32

12

9(10)V99

Total Debit Entry


Dollar Amount

This is the total dollar amount of all


debit entries contained in the batch.

33-44

12

9(10)V99

Total Credit Entry


Dollar Amount

This is the total dollar amount of all


credit entries contained in the batch.

45-54

10

X(10)

Company ID

This is the ACH identification number


BBVA Compass has established
for your Company. Your TMO or
Implementation Coordinator will
provide this information to you. It is
usually one digit followed by your
companys TIN. This must match the
Batch Header Record.

55-79

25

X(25)

Blank

Reserved

80-87

X(8)

06200118

Originating DFI ID

This is the first 8 digits of BBVA


Compass Routing Number.

10

88-94

9(7)

Batch Number

Same as Batch Header Record.

File Control Record - The Nine Record


Format: PPD, CCD and IAT
This is the last data record of your NACHA file.
File Control Record Format - For use with all ACH files
Field

Position Size

Picture

Contents

Data Name

01

Record Type Code

02-07

9(6)

Batch Count

This is the total number of ACH


batches included in the file.

06-13

9(6)

Block Count

This is the total number of blocks


included in the file. The block count x
10 = total number of records.

14-21

9(8)

Entry/Addenda
Count

This is the total number of Entry Detail


and Addenda Records in the file.

22-31

10

9(10)

Entry Hash

This is the sum of all the RDFI routing


numbers in each Entry Detail Record
in the file. Sum the first 8 digits only
and truncate to the left.

32-43

12

9(10)V99

Total Debit Entry


Dollar Amount in
File

This is the total dollar amount of all


debit entries in the file.

44-55

12

9(10)V99

Total Credit Entry


Dollar Amount in
File

This is the total dollar amount of all


credit entries in the file.

56-94

39

X(39)

Blank

Comments

Reserved

21

TM-02-2002C rev. 06/14

BBVA Compass is a trade name of Compass Bank, a member


of the BBVA Group. Compass Bank, Member FDIC.

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