Convert, create, validate, inspect and repair NACHA-formatted ACH files entirely in your browser.
Trusted and used by businesses across the US
Upload payments, map your columns, enter bank settings and download a validated NACHA file.
Convert, create, check and repair ACH files. Choose a tool to get started.
Convert structured CSV payment rows into a bank-ready NACHA-formatted ACH file.
Convert an Excel workbook into a validated ACH/NACHA file.
Open an ACH file and export its entries to CSV.
Convert a NACHA-formatted ACH file into an Excel workbook.
Use this NACHA file creator to build an ACH file for PPD or CCD payments.
Check structure, routing numbers, hashes, totals, trace numbers and control records.
Read an ACH file and inspect every batch, entry, addenda and raw NACHA record.
Edit ACH entries and rebuild all control totals safely.
Repair padding, line endings, hashes, counts and control totals.
Compare two ACH files while ignoring routine creation metadata.
Create a structurally valid test copy with sensitive data removed.
Extract reusable company and bank setup from an existing ACH file.
Add or remove an offset entry for bank-specific balanced file requirements.
Combine compatible ACH batches into one NACHA file and rebuild file controls.
Split a multi-batch ACH file into separate validated files.
Review and edit payment-related addenda information.
Create zero-dollar prenotification entries from an ACH file.
Decode Return addenda and export a readable exception report.
Read NOC codes and corrected account information.
Create a reviewable reversal file from the original approved ACH instructions.
Create an account-verification micro-entry file for review.
Generate a valid fictitious ACH file for testing and learning.
Learn the 94-character record structure, hierarchy, SEC codes and control totals.
Calculate batch counts, entry counts, hashes, debits and credits from an ACH file.
Recalculate and verify ACH batch and file control values.
Validate a nine-digit ABA routing number checksum locally in your browser.
Payroll & accounting software
U.S. banking workflows
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Practical value
Turn payment data into consistent ACH records while reducing manual formatting work and making errors easier to find before submission.
ACH, CSV and Excel processing runs locally in your browser.
Map spreadsheet columns instead of assembling fixed-width records by hand.
Hashes, counts, debit and credit totals, block count and padding come from one shared engine.
Inspect, compare, mask, repair, merge, split and analyze operational ACH files.
Common workflows
Use the tools whenever payment data needs to enter, leave, or be checked against the ACH file format.
Turn approved payment rows into a structured batch for review and bank submission.
Convert CSV or Excel data when your bank or processor requires a NACHA-formatted file.
Review routing numbers, record structure, hashes, totals, trace numbers and padding.
Open difficult-to-read records, repair common issues, or export data for reconciliation.
Customer feedback
Feedback from payroll, treasury, accounting, and payment teams.
5.0 out of 5 from 5 reviews
Rachel M.
Payroll Operations Manager
“Converting our payment spreadsheet into an ACH file is much easier now. We can import a CSV or Excel file, map the columns, review the entries, and generate the NACHA file without changing the spreadsheet workflow our team already uses.”
Daniel K.
Treasury Analyst
“The validator makes it much easier to find problems before we send a file. It checks the file structure, routing numbers, entry hash, control totals, and trace numbers, then shows us where the errors are instead of leaving us to inspect every record manually.”
Melissa T.
Accounting Systems Manager
“Being able to open and edit an ACH file has been very useful when we need to correct a small issue. We can inspect the records, update the affected fields, and verify the totals without rebuilding the entire file from the original source.”
Jason R.
Financial Operations Director
“The browser-based processing was an important consideration for us. Our original bank data stays on the local device instead of being uploaded for processing, so we can use the conversion and validation tools while keeping sensitive payment files within our own environment.”
Amanda L.
Payment Operations Specialist
“We regularly need to compare ACH files, combine batches, split larger files, and mask sensitive information. Having those tools together in one place makes routine file work faster and reduces the number of separate utilities our operations team has to use.”
Clear, predictable cost
Use the current release without a subscription, row-based fee, or watermark. Start with a file immediately and keep the processing in your browser.
A practical introduction
An ACH file is a structured text file used to send batches of US bank-account payments through the Automated Clearing House network. Businesses commonly use these files for payroll, vendor payments, direct deposits, collections, and other account-to-account transfers. The NACHA file format organizes that payment data into fixed-width, 94-character records: file and batch headers identify the originator, entry records describe each credit or debit, and control records confirm counts and totals. You may also hear this structure called the ACH file format. Unlike a spreadsheet, it depends on exact field positions, codes, padding, trace numbers, and balanced control values, so even a small formatting mistake can cause a bank or processor to reject the file.
Accounting, payroll, and treasury teams often begin with payment details in CSV or Excel because tabular data is easier to prepare and review. A bank-ready file is different: every source column must be mapped to the correct ACH field, amounts must be expressed in cents, routing numbers must be checked, and totals must match the entries in each batch. An ACH file converter handles that translation consistently. When you convert CSV to ACH here, you can match your columns, enter the required company and bank settings, inspect the resulting entries, and download a properly structured text file without manually assembling fixed-width records.
This free online ACH converter also supports the work that happens before and after conversion. You can create a file from a form, validate an existing NACHA file, view records in a readable table, edit fields, recalculate controls, repair common structural problems, or convert an ACH file back to CSV or Excel for review. File processing runs in your browser so the source payment data stays on your device. These checks help identify formatting and consistency issues, but they do not initiate payments or replace your bank’s requirements, receiver authorization, or a final operational review before submission.
