[CM] CM Account Information Required for EFT or ACH

Created by Crystal Ann Harvey, Modified on Thu, 28 Aug at 9:12 AM by Crystal Ann Harvey

This article shows all the positions of the NACHA specs for EFT or ACH, what info is required and what to enter into each field in CM Accounts. 


  • Information required for electronic funds transfer (EFT) is stored in the CM Accounts program and applies to both Accounts Payable EFT's and Payroll Direct Deposits. This information is required by the rules governing the Automated Clearing House (ACH) Network. It is used to create a text file that may then be uploaded to your bank electronically.
  • Banks differ on their requirements for the file format of EFT's. Some banks only need the account information for those accounts being credited (receiving the payment), whereas other banks require both the debit and credit account data. The download file format is determined by the Service Class Code. Code 200 indicates that the file contains a mix of debit and credit account data (also known as a "balanced file"), whereas Code 220 indicates a transmission of credits only (also known as an "unbalanced file").


NOTE: To ensure that the text files used for transmitting EFT and Direct Deposit data to your bank are formatted to meet NACHA (National Automated Clearing House Association) requirements, Vista uses the "CCD" (Cash Concentration or Disbursement) standard entry class code for EFTs, and the "PPD" (Prearranged Payment and Deposit) standard entry class code for direct deposits. Cash Management > Programs > CM Accounts > EFT Information: Use to define each bank account and bank requirements.


Below are the locations for where the information available in Vista is located.

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FH = File Header Position

Immediate Destination: Enter the Transit Routing number of the bank receiving and processing the ACH file. This is a 9-digit number provided by the bank. On the File Header Record, this number will be preceded by a blank. Do not enter the blank into this field in the CM Accounts form.
- Position: 04-13, File Header Record
Immediate Origin: Enter your company's bank account number. This is an up to 10-digit number, typically your bank account number or your company's Federal Tax ID number.
- Position: 14-23, File Header Record
Routing Transit #: Enter the transit routing number of the bank receiving and processing the ACH file. This is a 9-digit number provided by the bank.

NOTE: This field is only used when the service class code is 200 (debits/credits). Position: 4-12, Entry Detail Record

Service Class: Enter the Service Class code as follows:
  • Code 200 - Indicates the file contains a mix of debits and credits in the transaction. This is also known as a balanced file.
  • Code 220 - Indicates a transmission of credits only. This is also known as an unbalanced file. Position: 02-04, Batch Header Record
Company ID #: Enter your 10-digit company identification number. This will typically be either your bank account number or your Federal Tax ID preceded by a '1'. (Identical to the number in field 4 [Immediate Origin] of the File Header Record, unless multiple companies/divisions are provided in one transmission).

Position: 41-50, Batch Header Record

Originating DFI: Enter your bank's routing transit number. Allows up to 10 digits; however, the file will only use the first 8 digits. This will typically be the 9-digit routing number, minus the last digit.

Position: 80-87, Batch Header Record

Account Type: Specify the type of this account:
  • Checking - Select this option if this is a checking account.

  • Savings - Select this option if this is a savings account.

Bank Name: Enter the name of bank where this account resides (your bank). Allows up to 30 characters, but only the first 23 characters will be used in the file.

Position: 41-63, File Header Record

Assign Bank Name: Enter the name of the sending party (generally the name of your company) as per bank's records, up to 23 characters. This name will be included in the EFT text file.

Position: 64-86, File Header Record

Batch Header ID: Enter the ACH header record label identification code/number as specified by the receiving bank for electronic funds transfers. Up to 94 characters allowed. This identification code/number will become the first line of the EFT text file. If left blank, this EFT line will not be created. NOTE: This is an optional field; however, some banks may require an identification number in this field. Contact your bank representative for more information if necessary.
Company Discretionary: This field is for your company's internal use, and no specific format is required. You may enter any alphanumeric value, up to 20 characters. The information in this field displays in the export file created when using the Download tab in PR EFT Payments.

NOTE: Some banks may require information in this field. Contact your bank representative for more information if necessary.

Position: 21-40, Batch Header Record

Company Name it is held in the HQ Company Setup Business Name is the NACHA
Position 5-20, Batch Header

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Company Entry Description, Batch Header Position 54-63 is found in two places:

Payroll - PR EFT Payments - Download Tab (NACHA Batch Header Position 54-63). Typically the Description field would say PR EFT depends on how your bank requires or it is a company preference.

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Accounts Payable - AP Payment Posting Detail, File select AP EFT Download (NACHA Batch Header Position 54-63). Typically the Description field would say EFT depends on how your bank requires or it is a company preference.

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