ACH Record Format Specifications
ParT 3.1 record formats
The ACH Record formats appear on the following pages. The first Record formats (3.1.1) are the File Header and File Control Records. These two Records act as the outermost envelope of an ACH transaction and convey information related to the destination and origin of the transaction, as well as the total amount of debits and credits within the File. The format of these Records is consistent for all Entries, regardless of the Standard Entry Class Code.
OR74 2012 OPERATING RULES SUBPART 3.1.1 ACH File Record Format for All Entries all EnTrIES fIlE HEaDEr rEcOrD fIElD12345678910111213 DATA
ELEMENT NAME rEcOrD TyPE cODEPrIOrITy cODEImmEDIaTE DESTInaTIOnImmEDIaTE OrIgIn fIlE crEaTIOn DaTE fIlE crEaTIOn TImEfIlE ID mODIfIErrEcOrD SIzEBlOcKIng facTOrfOrmaT cODE
ImmEDIaTE DESTInaTIOn namEImmEDIaTE OrIgIn namErEfErEncE cODE Field Inclusion RequirementMRMMMOMMMMOOO Contents ‘1’NumericbTTTTAAAACbTTTTAAAACYYMMDDHHMM
UPPER CASE
A-Z NUMERIC 0-9‘094’‘10’‘1’AlphamericAlphamericAlphameric Length12101064132123238 Position01-0102-0304-1314-2324-2930-3334-3435-3738-3940-4041-6364-8687-94 all EnTrIES fIlE cOnTrOl rEcOrD fIElD12345678 DATA
ELEMENT NAME rEcOrD TyPE cODEBaTcH cOUnTBlOcK cOUnTEnTry/aDDEnDa cOUnTEnTry HaSH TOTal DEBIT EnTry DOllar amOUnT In fIlE
TOTal crEDIT EnTry DOllar amOUnT In fIlErESErvED Field Inclusion RequirementMMMMMMMN/A Contents‘9’NumericNumericNumericNumeric$$$$$$$$$$¢¢$$$$$$$$$$¢¢blank Length166810121239 Position01-0102-0708-1314-2122-3132-4344-5556-94
2012 OPERATING RULES OR75 all EnTrIES cOmPany/BaTcH HEaDEr rEcOrD (EXcEPT IaT) fIElD12345678910111213 DATA
ELEMENT NAME rEcOrD TyPE cODE SErvIcE claSS cODEcOmPany namE cOmPany DIScrETIOnary DaTacOmPany IDEnTIfIcaTIOn STanDarD EnTry claSS cODE cOmPany EnTry DEScrIPTIOn cOmPany DEScrIPTIvE DaTE EffEcTIvE EnTry DaTE SETTlEmEnT DaTE (JUlIan) OrIgInaTOr STaTUS cODE
OrIgInaTIng DfI IDEnTIfIcaTIOnBaTcH nUmBEr Field Inclusion RequirementMMMOMMMORInserted by ACH OperatorMMM Contents‘5’NumericAlphamericAlphamericAlphamericAlphamericAlphamericAlphamericYYMMDDNumericAlphamericTTTTAAAANumeric Length13162010310663187 Position01-0102-0405-2021-4041-5051-5354-6364-6970-7576-7879-7980-8788-94 fIElD1234567891011 DATA
ELEMENT NAME rEcOrD TyPE cODE SErvIcE claSS cODE EnTry/ aDDEnDa cOUnTEnTry HaSH TOTal DEBIT EnTry DOllar amOUnT TOTal crEDIT EnTry DOllar amOUnTcOmPany IDEnTIfIcaTIOn
mESSagE aUTHEnTIcaTIOn cODErESErvEDOrIgInaTIng DfI IDEnTIfIcaTIOnBaTcH nUmBEr Field Inclusion RequirementMMMMMMRON/AMM Contents‘8’NumericNumericNumeric$$$$$$$$$$¢¢$$$$$$$$$$¢¢AlphamericAlphamericblankTTTTAAAANumeric Length1361012121019687 Position01-0102-0405-1011-2021-3233-4445-5455-7374-7980-8788-94
all EnTrIES cOmPany/BaTcH cOnTrOl rEcOrD
SUBPART 3.1.2 ACH Batch Record Format for All Entries
OR76 2012 OPERATING RULES
IaT cOmPany/BaTcH HEaDEr rEcOrD fIELD1234567891011121314151617 DATA ELEMENT NAME
rEcOrD TyPE cODE SErvIcE claSS cODEIaT InDIcaTOr fOrEIgn EXcHangE InDIcaTOr fOrEIgn EXcHangE rEfErEncE InDIcaTOr fOrEIgn EXcHangE rEfErEncE ISO DESTInaTIOn cOUnTry cODEOrIgInaTOr IDEnTIfIcaTIOn STanDarD EnTry claSS cODE cOmPany EnTry DEScrIPTIOn ISO OrIgInaTIng cUrrEncy cODE ISO DESTInaTIOn cUrrEncy cODE EffEcTIvE EnTry DaTE SETTlEmEnT DaTE (JUlIan) OrIgInaTOr STaTUS cODE
gO IDEnTIfIcaTIOn/ OrIgInaTIng DfI IDEnTIfIcaTIOnBaTcH nUmBEr Field Inclusion RequirementMMOMRRMMMMMMRInserted by ACH OperatorMMM Contents‘5’NumericAlphamericAlphamericNumericAlphamericAlphamericAlphamericAlphamericAlphamericAlphamericAlphamericYYMMDDNumericAlphamericTTTTAAAANumeric Length131621152103103363187 Position01-0102-0405-2021-2223-2324-3839-4041-5051-5354-6364-6667-6970-7576-7879-7980-8788-94
SUBPART 3.1.3 Company/Batch Header Record Format for International ACH Transaction (IAT) Entries
2012 OPERATING RULES OR77 aDv fIlE HEaDEr rEcOrD fIElD12345678910111213 DATA
ELEMENT NAME rEcOrD TyPE cODEPrIOrITy cODEImmEDIaTE DESTInaTIOnImmEDIaTE OrIgIn fIlE crEaTIOn DaTE fIlE crEaTIOn TImEfIlE ID mODIfIErrEcOrD SIzEBlOcKIng facTOrfOrmaT cODE ImmEDIaTE DESTInaTIOn namE
ImmEDIaTE OrIgIn namErEfErEncE cODE Field Inclusion RequirementMRMMMOMMMMMMO Contents ‘1’NumericbTTTTAAAACbTTTTAAAACYYMMDDHHMM
UPPER CASE A-Z NUMERIC 0-9‘094’‘10’‘1’AlphamericAlphamericAlphameric Length12101064132123238 Position01-0102-0304-1314-2324-2930-3334-3435-3738-3940-4041-6364-8687-94 aDv fIlE cOnTrOl rEcOrD fIElD12345678 DATA
ELEMENT NAME rEcOrD TyPE cODEBaTcH cOUnTBlOcK cOUnTEnTry/aDDEnDa cOUnTEnTry HaSH TOTal DEBIT EnTry DOllar amOUnT In fIlE
TOTal crEDIT EnTry DOllar amOUnT In fIlErESErvED Field Inclusion RequirementMMMMMMMN/A Contents‘9’NumericNumericNumericNumeric$$$$$$$$$$$$$$$$$$¢¢$$$$$$$$$$$$$$$$$$¢¢blank Length166810202023 Position01-0102-0708-1314-2122-3132-5152-7172-94
SUBPART 3.1.4 ACH File Record Format for ADV Entries
OR78 2012 OPERATING RULES
aDv cOmPany/BaTcH cOnTrOl rEcOrD fIElD123456789 DATA ELEMENT NAMErEcOrD TyPE cODESErvIcE claSS cODEEnTry/aDDEnDa cOUnTEnTry HaSHTOTal DEBIT EnTry DOllar amOUnTTOTal crEDIT EnTry DOllar amOUnTacH OPEraTOr DaTaOrIgInaTIng DfI IDEnTIfIcaTIOnBaTcH nUmBEr Field Inclusion RequirementMMMMMMOMM Contents‘8’NumericNumericNumeric$$$$$$$$$$$$$$$$$$¢¢$$$$$$$$$$$$$$$$$$¢¢AlphamericTTTTAAAANumeric Length1361020201987 Position01-0102-0405-1011-2021-4041-6061-7980-8788-94 aDv EnTry DETaIl rEcOrD fIElD123456789101112131415 DATA
ELEMENT NAME rEcOrD TyPE cODETranSacTIOn cODErEcEIvIng DfI IDEnTIfIcaTIOncHEcK DIgIT DfI accOUnT nUmBEramOUnT aDvIcE rOUTIng nUmBErfIlE IDEnTIfIcaTIOn acH OPEraTOr DaTaInDIvIDUal namEDIScrETIOnary DaTa aDDEnDa rEcOrD InDIcaTOr rOUTIng nUmBEr Of acH OPEraTOr JUlIan DaTE On WHIcH THIS aDvIcE IS crEaTED SEQUEncE nUmBEr WITHIn BaTcH
Field Inclusion Requirement
MMMMRMMOOROMMMM Contents‘6’NumericTTTTAAAANumericAlphameric$$$$$$$$$$¢¢NumericAlphamericAlphamericAlphamericAlphamericNumericTTTTAAAANumericNumeric Length128115129512221834 Position01-0102-0304-1112-1213-2728-3940-4849-5354-5455-7677-7879-7980-8788-9091-94
SUBPART 3.1.5 Sequence of Records for ADV Entries (continued)
2012 OPERATING RULES OR79
SUBPART 3.1.6 Sequence of Records for ARC Entries arc EnTry DETaIl rEcOrD fIElD1234567891011 DATA
ELEMENT NAME rEcOrD TyPE cODETranSacTIOn cODErEcEIvIng DfI IDEnTIfIcaTIOncHEcK DIgITDfI accOUnT nUmBEramOUnTcHEcK SErIal nUmBEr InDIvIDUal namE/ rEcEIvIng cOmPany namEDIScrETIOnary DaTa aDDEnDa rEcOrD InDIcaTOrTracE nUmBEr
Field Inclusion Requirement
MMMMRMMOOMM Contents‘6’NumericTTTTAAAANumericAlphameric$$$$$$$$¢¢AlphamericAlphamericAlphamericNumericNumeric Length1281171015222115 Position01-0102-0304-1112-1213-2930-3940-5455-7677-7879-7980-94
OR80 2012 OPERATING RULES
BOc EnTry DETaIl rEcOrD fIElD1234567891011 DATA
ELEMENT NAME rEcOrD TyPE cODETranSacTIOn cODErEcEIvIng DfI IDEnTIfIcaTIOncHEcK DIgIT DfI accOUnT nUmBEramOUnTcHEcK SErIal nUmBEr
InDIvIDUal namE/rEcEIvIng cOmPany namEDIScrETIOnary DaTaaDDEnDa rEcOrD InDIcaTOrTracE nUmBEr Field Inclusion RequirementMMMMRMMO OMM Contents‘6’NumericTTTTAAAANumericAlphameric$$$$$$$$¢¢AlphamericAlphamericAlphamericNumericNumeric Length1281171015222115 Position01-0102-0304-1112-1213-2930-3940-5455-7677-7879-7980-94
SUBPART 3.1.7 Sequence of Records for BOC Entries
2012 OPERATING RULES OR81 ccD EnTry DETaIl rEcOrD fIElD1234567891011 DATA ELEMENT NAMErEcOrD TyPE cODETranSacTIOn cODErEcEIvIng DfI IDEnTIfIcaTIOncHEcK DIgITDfI accOUnT nUmBEramOUnTIDEnTIfIcaTIOn nUmBErrEcEIvIng cOmPany namEDIScrETIOnary DaTa
aDDEnDa rEcOrD InDIcaTOrTracE nUmBEr
Field Inclusion Requirement
MMMMRMOROMM Contents‘6’NumericTTTTAAAANumericAlphameric$$$$$$$$¢¢AlphamericAlphamericAlphamericNumericNumeric Length1281171015222115 Position01-0102-0304-1112-1213-2930-3940-5455-7677-7879-7980-94 fIElD12345 DATA
ELEMENT NAME rEcOrD TyPE cODEaDDEnDa TyPE cODEPaymEnT rElaTED InfOrmaTIOnaDDEnDa SEQUEncE nUmBErEnTry DETaIl SEQUEncE nUmBEr
Field Inclusion Requirement
MMOMM Contents‘7’‘05’AlphamericNumericNumeric Length128047 Position01-0102-0304-8384-8788-94
ccD aDDEnDa rEcOrD
SUBPART 3.1.8 Sequence of Records for CCD Entries
OR82 2012 OPERATING RULES
cIE EnTry DETaIl rEcOrD fIElD1234567891011 DATA
ELEMENT NAME rEcOrD TyPE cODETranSacTIOn cODErEcEIvIng DfI IDEnTIfIcaTIOncHEcK DIgITDfI accOUnT nUmBEramOUnTInDIvIDUal namE InDIvIDUal IDEnTIfIcaTIOn nUmBErDIScrETIOnary DaTa
aDDEnDa rEcOrD InDIcaTOrTracE nUmBEr Field Inclusion Requirement
MMMMRMRMOMM Contents‘6’NumericTTTTAAAANumericAlphameric$$$$$$$$¢¢AlphamericAlphamericAlphamericNumericNumeric Length1281171015222115 Position01-0102-0304-1112-1213-2930-3940-5455-7677-7879-7980-94 cIE aDDEnDa rEcOrD fIElD12345 DATA ELEMENT NAMErEcOrD TyPE cODEaDDEnDa TyPE cODEPaymEnT rElaTED InfOrmaTIOnaDDEnDa SEQUEncE nUmBErEnTry DETaIl SEQUEncE nUmBEr Field Inclusion RequirementMMOMM Contents‘7’‘05’AlphamericNumericNumeric Length128047 Position01-0102-0304-8384-8788-94
SUBPART 3.1.9 Sequence of Records for CIE Entries
2012 OPERATING RULES OR83 cTX cOrPOraTE EnTry DETaIl rEcOrD fIElD12345678910111213 DATA
ELEMENT NAME rEcOrD TyPE cODETranSacTIOn cODErEcEIvIng DfI IDEnTIfIcaTIOncHEcK DIgIT DfI accOUnT nUmBErTOTal amOUnTIDEnTIfIcaTIOn nUmBEr nUmBEr Of aDDEnDa rEcOrDS rEcEIvIng cOmPany namE/ID nUmBErrESErvEDDIScrETIOnary DaTa aDDEnDa rEcOrD InDIcaTOrTracE nUmBEr
Field Inclusion Requirement
MMMMRMOMRN/AOMM Contents‘6’NumericTTTTAAAANumericAlphameric$$$$$$$$¢¢AlphamericNumericAlphamericblankAlphamericNumericNumeric Length128117101541622115 Position01-0102-0304-1112-1213-2930-3940-5455-5859-7475-7677-7879-7980-94 cTX aDDEnDa rEcOrD fIElD12345 DATA
ELEMENT NAME rEcOrD TyPE cODEaDDEnDa TyPE cODEPaymEnT rElaTED InfOrmaTIOnaDDEnDa SEQUEncE nUmBErEnTry DETaIl SEQUEncE nUmBEr
Field Inclusion Requirement
MMOMM Contents‘7’‘05’AlphamericNumericNumeric Length128047 Position01-0102-0304-8384-8788-94
SUBPART 3.1.10 Sequence of Records for CTX Entries
OR84 2012 OPERATING RULES
DnE EnTry DETaIl rEcOrD fIElD1234567891011 DATA
ELEMENT NAME rEcOrD TyPE cODETranSacTIOn cODErEcEIvIng DfI IDEnTIfIcaTIOncHEcK DIgITDfI accOUnT nUmBEramOUnT InDIvIDUal IDEnTIfIcaTIOn nUmBErInDIvIDUal namEDIScrETIOnary DaTa aDDEnDa rEcOrD InDIcaTOrTracE nUmBEr
Field Inclusion Requirement
MMMMRMOROMM Contents‘6’NumericTTTTAAAANumericAlphameric$$$$$$$$¢¢AlphamericAlphamericAlphamericNumericNumeric Length1281171015222115 Position01-0102-0304-1112-1213-2930-3940-5455-7677-7879-7980-94 DnE aDDEnDa rEcOrD fIElD12345 DATA
ELEMENT NAME rEcOrD TyPE cODEaDDEnDa TyPE cODEPaymEnT rElaTED InfOrmaTIOnaDDEnDa SEQUEncE nUmBErEnTry DETaIl SEQUEncE nUmBEr
Field Inclusion Requirement
MMOMM Contents‘7’‘05’AlphamericNumericNumeric Length128047 Position01-0102-0304-8384-8788-94
SUBPART 3.1.11 Sequence of Records for DNE Entries
2012 OPERATING RULES OR85 Enr EnTry DETaIl rEcOrD fIElD12345678910111213 DATA
ELEMENT NAME rEcOrD TyPE cODETranSacTIOn cODErEcEIvIng DfI IDEnTIfIcaTIOncHEcK DIgITDfI accOUnT nUmBEramOUnTIDEnTIfIcaTIOn nUmBEr nUmBEr Of aDDEnDa rEcOrDS rEcEIvIng cOmPany namE/ID nUmBErrESErvEDDIScrETIOnary DaTa aDDEnDa rEcOrD InDIcaTOrTracE nUmBEr
Field Inclusion Requirement
MMMMRMOMRN/AOMM Contents‘6’NumericTTTTAAAANumericAlphameric0000000000AlphamericNumericAlphamericblankAlphamericNumericNumeric Length128117101541622115 Position01-0102-0304-1112-1213-2930-3940-5455-5859-7475-7677-7879-7980-94 Enr aDDEnDa rEcOrD fIElD12345 DATA
ELEMENT NAME rEcOrD TyPE cODEaDDEnDa TyPE cODEPaymEnT rElaTED InfOrmaTIOnaDDEnDa SEQUEncE nUmBErEnTry DETaIl SEQUEncE nUmBEr
Field Inclusion RequirementMMRMM Contents‘7’‘05’AlphamericNumericNumeric Length128047 Position01-0102-0304-8384-8788-94
SUBPART 3.1.12 Sequence of Records for ENR Entries
OR86 2012 OPERATING RULES
fIrST IaT aDDEnDa rEcOrD fIElD12345678 DATA ELEMENT NAMErEcOrD TyPE cODEaDDEnDa TyPE cODETranSacTIOn TyPE cODEfOrEIgn PaymEnT amOUnTfOrEIgn TracE nUmBEr rEcEIvIng cOmPany namE/InDIvIDUal namErESErvED
EnTry DETaIl SEQUEncE nUmBEr Field Inclusion RequirementMMRROMN/AM Contents‘7’‘10’Alphameric$$$$$$$$$$$$$$$$¢¢AlphamericAlphamericblankNumeric Length12318223567 Position01-0102-0304-0607-2425-4647-8182-8788-94
IaT EnTry DETaIl rEcOrD fIElD12345678910111213 DATA ELEMENT NAME
rEcOrD TyPE cODETranSacTIOn cODE gO
IDEnTIfIcaTIOn/ rEcEIvIng DfI IDEnTIfIcaTIOncHEcK DIgIT nUmBEr Of aDDEnDa rEcOrDSrESErvEDamOUnT fOrEIgn rEcEIvEr’S accOUnT nUmBEr/ DfI accOUnT nUmBErrESErvED gaTEWay OPEraTOr Ofac ScrEEnIng InDIcaTOr SEcOnDary Ofac ScrEEnIng InDIcaTOr
aDDEnDa rEcOrD InDIcaTOrTracE nUmBEr Field Inclusion RequirementMMMMMN/AMMN/AOOMM Contents‘6’NumericTTTTAAAANumericNumericblank$$$$$$$$¢¢AlphamericblankAlphamericAlphamericNumericNumeric Length12814131035211115 Position01-0102-0304-1112-1213-1617-2930-3940-7475-7677-7778-7879-7980-94
SUBPART 3.1.13 Sequence of Records for IAT Entries
2012 OPERATING RULES OR87 SEcOnD IaT aDDEnDa rEcOrD fIElD123456 DATA ELEMENT NAMErEcOrD TyPE cODEaDDEnDa TyPE cODEOrIgInaTOr namEOrIgInaTOr STrEET aDDrESSrESErvED
EnTry DETaIl SEQUEncE nUmBEr Field Inclusion RequirementMMMMN/AM Contents‘7’‘11’AlphamericAlphamericblankNumeric Length123535147 Position01-0102-0304-3839-7374-8788-94 THIrD IaT aDDEnDa rEcOrD fIElD123456 DATA ELEMENT NAMErEcOrD TyPE cODEaDDEnDa TyPE cODEOrIgInaTOr cITy & STaTE/PrOvIncEOrIgInaTOr cOUnTry & POSTal cODErESErvED
EnTry DETaIl SEQUEncE nUmBEr Field Inclusion RequirementMMMMN/AM Contents‘7’‘12’AlphamericAlphamericblankNumeric Length123535147 Position01-0102-0304-3839-7374-8788-94
SUBPART 3.1.13 Sequence of Records for IAT Entries (continued)
OR88 2012 OPERATING RULES
fOUrTH IaT aDDEnDa rEcOrD fIElD12345678 DATA ELEMENT NAMErEcOrD TyPE cODEaDDEnDa TyPE cODE
OrIgInaTIng DfI namE OrIgInaTIng DfI IDEnTIfIcaTIOn nUmBEr QUalIfIEr OrIgInaTIng DfI IDEnTIfIcaTIOn OrIgInaTIng DfI BrancH cOUnTry cODErESErvED
EnTry DETaIl SEQUEncE nUmBEr Field Inclusion RequirementMMMMMMN/AM Contents‘7’‘13’AlphamericAlphamericAlphamericAlphamericblankNumeric Length12352343107 Position01-0102-0304-3839-4041-7475-7778-8788-94
SUBPART 3.1.13 Sequence of Records for IAT Entries (continued) fIfTH IaT aDDEnDa rEcOrD fIElD12345678 DATA ELEMENT NAMErEcOrD TyPE cODEaDDEnDa TyPE cODE
rEcEIvIng DfI namE rEcEIvIng DfI IDEnTIfIcaTIOn nUmBEr QUalIfIErrEcEIvIng DfI IDEnTIfIcaTIOn rEcEIvIng DfI BrancH cOUnTry cODErESErvED
EnTry DETaIl SEQUEncE nUmBEr Field Inclusion RequirementMMMMMMN/AM Contents‘7’‘14’AlphamericAlphamericAlphamericAlphamericblankNumeric Length12352343107 Position01-0102-0304-3839-4041-7475-7778-8788-94
2012 OPERATING RULES OR89 SIXTH IaT aDDEnDa rEcOrD fIElD123456 DATA ELEMENT NAMErEcOrD TyPE cODEaDDEnDa TyPE cODE
rEcEIvEr IDEnTIfIcaTIOn nUmBErrEcEIvEr STrEET aDDrESSrESErvED
EnTry DETaIl SEQUEncE nUmBEr Field Inclusion RequirementMMOMN/AM Contents‘7’‘15’AlphamericAlphamericblankNumeric Length121535347 Position01-0102-0304-1819-5354-8788-94
SUBPART 3.1.13 Sequence of Records for IAT Entries (continued) SEvEnTH IaT aDDEnDa rEcOrD fIElD123456 DATA ELEMENT NAMErEcOrD TyPE cODEaDDEnDa TyPE cODErEcEIvEr cITy & STaTE/PrOvIncErEcEIvEr cOUnTry & POSTal cODErESErvED
EnTry DETaIl SEQUEncE nUmBEr Field Inclusion RequirementMMMMN/AM Contents‘7’‘16’AlphamericAlphamericblankNumeric Length123535147 Position01-0102-0304-3839-7374-8788-94
OR90 2012 OPERATING RULES
NOTE: A maximum of two optional remittance addenda records may be included with each IAT entry.
IaT aDDEnDa rEcOrD fOr rEmITTancE InfOrmaTIOn fIElD12345 DATA ELEMENT NAMErEcOrD TyPE cODEaDDEnDa TyPE cODEPaymEnT rElaTED InfOrmaTIOnaDDEnDa SEQUEncE nUmBEr
EnTry DETaIl SEQUEncE nUmBEr Field Inclusion RequirementMMOMM Contents‘7’‘17’AlphamericNumericNumeric Length128047 Position01-0102-0304-8384-8788-94
SUBPART 3.1.13 Sequence of Records for IAT Entries (continued) IaT aDDEnDa rEcOrD fOr fOrEIgn cOrrESPOnDEnT BanK InfOrmaTIOn fIElD123456789 DATA ELEMENT NAMErEcOrD TyPE cODEaDDEnDa TyPE cODE
fOrEIgn cOrrESPOnDEnT BanK namE fOrEIgn cOrrESPOnDEnT BanK IDEnTIfIcaTIOn nUmBEr QUalIfIEr
fOrEIgn cOrrESPOnDEnT BanK IDEnTIfIcaTIOn nUmBEr fOrEIgn cOrrESPOnDEnT BanK BrancH cOUnTry cODErESErvED aDDEnDa SEQUEncE nUmBEr
EnTry DETaIl SEQUEncE nUmBEr Field Inclusion RequirementMMMMMMN/AMM Contents‘7’‘18’AlphamericAlphamericAlphamericAlphamericblankNumericNumeric Length12352343647 Position01-0102-0304-3839-4041-7475-7778-8384-8788-94 NOTE: Each Foreign Correspondent Bank involved in the processing of an IAT entry must be identified within an Addenda Record for IAT Foreign Correspondent Bank Information.
2012 OPERATING RULES OR91 mTE EnTry DETaIl rEcOrD fIElD1234567891011 DATA
ELEMENT NAME rEcOrD TyPE cODETranSacTIOn cODErEcEIvIng DfI IDEnTIfIcaTIOncHEcK DIgIT DfI accOUnT nUmBEramOUnTInDIvIDUal namE InDIvIDUal IDEnTIfIcaTIOn nUmBErDIScrETIOnary DaTa aDDEnDa rEcOrD InDIcaTOrTracE nUmBEr
Field Inclusion Requirement
MMMMRMMMOMM Contents‘6’NumericTTTTAAAANumericAlphameric$$$$$$$$¢¢AlphamericAlphamericAlphamericNumericNumeric Length1281171015222115 Position01-0102-0304-1112-1213-2930-3940-5455-7677-7879-7980-94 mTE aDDEnDa rEcOrD fIELD123456789101112 DATA
ELEMENT NAME rEcOrD TyPE cODEaDDEnDa TyPE cODETranSacTIOn DEScrIPTIOn nETWOrK IDEnTIfIcaTIOn cODE TErmInal IDEnTIfIcaTIOn cODE TranSacTIOn SErIal nUmBErTranSacTIOn DaTETranSacTIOn TImETErmInal lOcaTIOnTErmInal cITyTErmInal STaTETracE nUmBEr
Field Inclusion Requirement
MMRORRRRRRRM Contents‘7’‘02’AlphamericAlphamericAlphamericAlphamericMMDDHHMMSSAlphamericAlphamericAlphamericNumeric Length127366462715215 Position01-0102-0304-1011-1314-1920-2526-2930-3536-6263-7778-7980-94
SUBPART 3.1.14 Sequence of Records for MTE Entries
OR92 2012 OPERATING RULES
POP EnTry DETaIl rEcOrD fIElD12345678910111213 DATA
ELEMENT NAME rEcOrD TyPE cODETranSacTIOn cODErEcEIvIng DfI IDEnTIfIcaTIOncHEcK DIgIT DfI accOUnT nUmBEramOUnT cHEcK SErIal nUmBErTErmInal cITyTErmInal STaTE InDIvIDUal namE/ rEcEIvIng cOmPany namEDIScrETIOnary DaTa aDDEnDa rEcOrD InDIcaTOrTracE nUmBEr
Field Inclusion Requirement
MMMMRMMMMOOMM Contents‘6’NumericTTTTAAAANumericAlphameric$$$$$$$$¢¢AlphamericAlphamericAlphamericAlphamericAlphamericNumericNumeric Length12811710942222115 Position01-0102-0304-1112-1213-2930-3940-4849-5253-5455-7677-7879-7980-94
SUBPART 3.1.15 Sequence of Records for POP Entries
2012 OPERATING RULES OR93 POS EnTry DETaIl rEcOrD fIElD1234567891011 DATA
ELEMENT NAME rEcOrD TyPE cODETranSacTIOn cODErEcEIvIng DfI IDEnTIfIcaTIOncHEcK DIgITDfI accOUnT nUmBEramOUnT InDIvIDUal IDEnTIfIcaTIOn nUmBErInDIvIDUal namE carD TranSacTIOn TyPE cODE aDDEnDa rEcOrD InDIcaTOrTracE nUmBEr
Field Inclusion Requirement
MMMMRMORMMM Contents‘6’NumericTTTTAAAANumericAlphameric$$$$$$$$¢¢AlphamericAlphamericAlphamericNumericNumeric Length1281171015222115 Position01-0102-0304-1112-1213-2930-3940-5455-7677-7879-7980-94 POS aDDEnDa rEcOrD fIElD123456789101112 DATA
ELEMENT NAME rEcOrD TyPE cODE aDDEnDa TyPE cODErEfErEncE InfOrmaTIOn #1rEfErEncE InfOrmaTIOn #2 TErmInal IDEnTIfIcaTIOn cODE TranSacTIOn SErIal nUmBErTranSacTIOn DaTE aUTHOrIzaTIOn cODE Or carD EXPIraTIOn DaTETErmInal lOcaTIOnTErmInal cITyTErmInal STaTETracE nUmBEr
Field Inclusion Requirement
MMOORRRORRRM Contents‘7’‘02’AlphamericAlphamericAlphamericAlphamericMMDDAlphamericAlphamericAlphamericAlphamericNumeric Length127366462715215 Position01-0102-0304-1011-1314-1920-2526-2930-3536-6263-7778-7980-94
SUBPART 3.1.16 Sequence of Records for POS Entries
OR94 2012 OPERATING RULES
PPD EnTry DETaIl rEcOrD fIElD1234567891011 DATA
ELEMENT NAME rEcOrD TyPE cODETranSacTIOn cODErEcEIvIng DfI IDEnTIfIcaTIOncHEcK DIgITDfI accOUnT nUmBEramOUnT InDIvIDUal IDEnTIfIcaTIOn nUmBErInDIvIDUal namEDIScrETIOnary DaTa aDDEnDa rEcOrD InDIcaTOrTracE nUmBEr
Field Inclusion Requirement
MMMMRMOROMM Contents‘6’NumericTTTTAAAANumericAlphameric$$$$$$$$¢¢AlphamericAlphamericAlphamericNumericNumeric Length1281171015222115 Position01-0102-0304-1112-1213-2930-3940-5455-7677-7879-7980-94 PPD aDDEnDa rEcOrD fIElD12345 DATA
ELEMENT NAME rEcOrD TyPE cODEaDDEnDa TyPE cODEPaymEnT rElaTED InfOrmaTIOnaDDEnDa SEQUEncE nUmBErEnTry DETaIl SEQUEncE nUmBEr
Field Inclusion Requirement
MMOMM Contents‘7’‘05’AlphamericNumericNumeric Length128047 Position01-0102-0304-8384-8788-94
SUBPART 3.1.17 Sequence of Records for PPD Entries
2012 OPERATING RULES OR95 rcK EnTry DETaIl rEcOrD fIElD1234567891011 DATA
ELEMENT NAME rEcOrD TyPE cODETranSacTIOn cODErEcEIvIng DfI IDEnTIfIcaTIOncHEcK DIgITDfI accOUnT nUmBEramOUnT cHEcK SErIal nUmBErInDIvIDUal namEDIScrETIOnary DaTa aDDEnDa rEcOrD InDIcaTOrTracE nUmBEr
Field Inclusion Requirement
MMMMRMMROMM Contents‘6’NumericTTTTAAAANumericAlphameric$$$$$$$$¢¢AlphamericAlphamericAlphamericNumericNumeric Length1281171015222115 Position01-0102-0304-1112-1213-2930-3940-5455-7677-7879-7980-94
SUBPART 3.1.18 Sequence of Records for RCK Entries
OR96 2012 OPERATING RULES
SHr EnTry DETaIl rEcOrD fIElD123456789101112 DATA
ELEMENT NAME rEcOrD TyPE cODETranSacTIOn cODErEcEIvIng DfI IDEnTIfIcaTIOncHEcK DIgITDfI accOUnT nUmBEramOUnT carD EXPIraTIOn DaTE DOcUmEnT rEfErEncE nUmBEr InDIvIDUal carD accOUnT nUmBEr carD TranSacTIOn TyPE cODE aDDEnDa rEcOrD InDIcaTOrTracE nUmBEr
Field Inclusion Requirement
MMMMRMRRRMMM Contents‘6’NumericTTTTAAAANumericAlphameric$$$$$$$$¢¢MMYYNumericNumericNumericNumericNumeric Length12811710411222115 Position01-0102-0304-1112-1213-2930-3940-4344-5455-7677-7879-7980-94 SHr aDDEnDa rEcOrD fIElD123456789101112 DATA
ELEMENT NAME rEcOrD TyPE cODE aDDEnDa TyPE cODE rEfErEncE InfOrmaTIOn #1 rEfErEncE InfOrmaTIOn #2 TErmInal IDEnTIfIcaTIOn cODETranSacTIOn SErIal nUmBErTranSacTIOn DaTE aUTHOrIzaTIOn cODE Or carD EXPIraTIOn DaTETErmInal lOcaTIOnTErmInal cITyTErmInal STaTETracE nUmBEr
Field Inclusion Requirement
MMOORRRORRRM Contents‘7’‘02’AlphamericAlphamericAlphamericAlphamericMMDDAlphamericAlphamericAlphamericAlphamericNumeric Length127366462715215 Position01-0102-0304-1011-1314-1920-2526-2930-3536-6263-7778-7980-94
SUBPART 3.1.19 Sequence of Records for SHR Entries
2012 OPERATING RULES OR97 TEl EnTry DETaIl rEcOrD fIElD1234567891011 DATA
ELEMENT NAME rEcOrD TyPE cODETranSacTIOn cODErEcEIvIng DfI IDEnTIfIcaTIOncHEcK DIgITDfI accOUnT nUmBEramOUnT InDIvIDUal IDEnTIfIcaTIOn nUmBErInDIvIDUal namEPaymEnT TyPE cODEaDDEnDa rEcOrD InDIcaTOrTracE nUmBEr
Field Inclusion Requirement
MMMMRMOMOMM Contents‘6’NumericTTTTAAAANumericAlphameric$$$$$$$$¢¢AlphamericAlphamericAlphamericNumericNumeric Length1281171015222115 Position01-0102-0304-1112-1213-2930-3940-5455-7677-7879-7980-94
SUBPART 3.1.20 Sequence of Records for TEL Entries
OR98 2012 OPERATING RULES
Trc EnTry DETaIl rEcOrD fIElD123456789101112 DATA
ELEMENT NAME rEcOrD TyPE cODETranSacTIOn cODErEcEIvIng DfI IDEnTIfIcaTIOncHEcK DIgITDfI accOUnT nUmBEramOUnT cHEcK SErIal nUmBEr PrOcESS cOnTrOl fIElD ITEm rESEarcH nUmBErITEm TyPE InDIcaTOr aDDEnDa rEcOrD InDIcaTOrTracE nUmBEr
Field Inclusion Requirement
MMMMRMORROMM Contents‘6’NumericTTTTAAAANumericAlphameric$$$$$$$$¢¢AlphamericAlphamericAlphamericAlphamericNumericNumeric Length12811710156162115 Position01-0102-0304-1112-1213-2930-3940-5455-6061-7677-7879-7980-94
SUBPART 3.1.21 Sequence of Records for TRC Entries
2012 OPERATING RULES OR99 TrX EnTry DETaIl rEcOrD fIElD12345678910111213 DATA
ELEMENT NAME rEcOrD TyPE cODETranSacTIOn cODErEcEIvIng DfI IDEnTIfIcaTIOncHEcK DIgIT DfI accOUnT nUmBErTOTal amOUnTIDEnTIfIcaTIOn nUmBEr nUmBEr Of aDDEnDa rEcOrDS rEcEIvIng cOmPany namE/ID nUmBErrESErvEDITEm TyPE InDIcaTOr aDDEnDa rEcOrD InDIcaTOrTracE nUmBEr
Field Inclusion Requirement
MMMMRMOMRN/AOMM Contents‘6’NumericTTTTAAAANumericAlphameric$$$$$$$$¢¢AlphamericNumericAlphamericblankAlphamericNumericNumeric Length128117101541622115 Position01-0102-0304-1112-1213-2930-3940-5455-5859-7475-7677-7879-7980-94 TrX aDDEnDa rEcOrD fIElD12345 DATA
ELEMENT NAME rEcOrD TyPE cODEaDDEnDa TyPE cODEPaymEnT rElaTED InfOrmaTIOnaDDEnDa SEQUEncE nUmBErEnTry DETaIl SEQUEncE nUmBEr
Field Inclusion Requirement
MMOMM Contents‘7’‘05’AlphamericNumericNumeric Length128047 Position01-0102-0304-8384-8788-94
SUBPART 3.1.22 Sequence of Records for TRX Entries
OR100 2012 OPERATING RULES
WEB EnTry DETaIl rEcOrD fIElD1234567891011 DATA
ELEMENT NAME rEcOrD TyPE cODETranSacTIOn cODErEcEIvIng DfI IDEnTIfIcaTIOncHEcK DIgITDfI accOUnT nUmBEramOUnT InDIvIDUal IDEnTIfIcaTIOn nUmBErInDIvIDUal namE PaymEnT TyPE cODE aDDEnDa rEcOrD InDIcaTOrTracE nUmBEr
Field Inclusion Requirement
MMMMRMOMRMM Contents‘6’NumericTTTTAAAANumericAlphameric$$$$$$$$¢¢AlphamericAlphamericAlphamericNumericNumeric Length1281171015222115 Position01-0102-0304-1112-1213-2930-3940-5455-7677-7879-7980-94 WEB aDDEnDa rEcOrD fIElD12345 DATA ELEMENT NAMErEcOrD TyPE cODEaDDEnDa TyPE cODEPaymEnT rElaTED InfOrmaTIOnaDDEnDa SEQUEncE nUmBErEnTry DETaIl SEQUEncE nUmBEr Field Inclusion RequirementMMOMM Contents‘7’‘05’AlphamericNumericNumeric Length128047 Position01-0102-0304-8384-8788-94
SUBPART 3.1.23 Sequence of Records for WEB Entries
2012 OPERATING RULES OR101
fIElD123456789101112 DATA ELEMENT NAME rEcOrD TyPE cODETranSacTIOn cODErEcEIvIng DfI IDEnTIfIcaTIOncHEcK DIgITDfI accOUnT nUmBEramOUnT cHEcK SErIal nUmBEr PrOcESS cOnTrOl fIElD ITEm rESEarcH nUmBErDIScrETIOnary DaTa
aDDEnDa rEcOrD InDIcaTOrTracE nUmBEr Field Inclusion Requirement
MMMMR M MRROMM Contents‘6’NumericTTTTAAAANumericAlphameric$$$$$$$$¢¢AlphamericAlphamericAlphamericAlphamericNumericNumeric Length12811710156162115 Position01-0102-0304-1112-1213-2930-3940-5455-6061-7677-7879-7980-94
XcK EnTry DETaIl rEcOrD
SUBPART 3.1.24 Sequence of Records for XCK Entries
OR102 2012 OPERATING RULES
Addenda Information is associated with the immediately preceding Entry Detail Record.
The Addenda Information field of a Return Entry is used by the RDFI to relay explanatory information that is required with the use of Return Reason Codes “R11” (Check Truncation Return) and “R17”
(File Record Edit Criteria).
The Addenda Information Field of a Dishonored Return Entry is a mandatory field when the Dishonored Return bears Return Reason Code R69 (Field Errors). When using Return Reason Code R69, the ODFI must insert the appropriate code(s) from the list below, separated by an asterisk (*), within the Addenda Information Field of the Addenda Record Format for Dishonored Returns to indicate the field(s) in which the errors occur:
01 Return Contains Incorrect DFI Account Number
02 Return Contains Incorrect Original Entry Trace Number
03 Return Contains Incorrect Dollar Amount 04 Return Contains Incorrect Individual
Identification Number/Identification Number
05 Return Contains Incorrect Transaction Code
06 Return Contains Incorrect Company Identification Number
07 Return Contains an Invalid Effective Entry Date
For example: 01*03*06
Addenda Record Indicator: 1 Position - Entry Detail Record and Corporate Entry Detail Record – Mandatory (ACK, ADV, ARC, ATX, BOC, CCD, CIE, CTX, DNE, ENR, IAT, MTE, POP, POS, PPD, RCK, SHR, TEL, TRC, TRX, WEB, XCK, refused ACK, refused ATX, Returns, dishonored Returns, contested dishonored Returns, COR, refused COR)
This field indicates the existence of an Addenda Record.