ACH File Converter

ACH File Editor

Edit ACH entries and rebuild all control totals safely.

1

Source ACH/NACHA file

Verify the edited copy

Browse all tools

Continue with a tool that fits the next step in this workflow.

Fields you can review and change

Edit supported batch and entry values through structured controls instead of changing character positions in raw text. The original remains separate from the downloaded revision.

Values rebuilt after an edit

Entry dependencies

Transaction codes, amounts, routing values, addenda indicators, and traces are rechecked when related entry data changes.

Batch and file controls

Counts, entry hashes, debit and credit totals, batch controls, file controls, block count, and padding are recalculated from the revised records.

Changes that require operational approval

  • Confirm receiver authorization before changing an account or amount.
  • Keep SEC codes aligned with receiver type and authorization channel.
  • Check effective dates against bank cutoffs.
  • Compare the revision with the original before transmission.

When editing is not the right fix

Use repair for deterministic formatting and control problems. Recreate the file from its authorized source when the underlying payment population or originator setup is wrong.

Questions about editing NACHA records

Does editing overwrite my uploaded file?

No. The browser creates a separate downloadable result so the original can remain unchanged.

Are control totals updated automatically?

Yes. Dependent counts, hashes, monetary totals, control records, block count, and padding are rebuilt.

Can the editor authorize a payment change?

No. The tool changes file data; your organization and ODFI determine who may approve the instruction.

Which authoritative sources support this page?

Technical explanations are checked against these primary sources. Bank-specific requirements can be narrower than general format guidance.

  1. Nacha ACH File Details — Official record-field guidance, including Batch Header SEC codes and addenda capabilities.
  2. Nacha ACH File Overview — Official explanation of files, batches, entries, controls, and batch grouping.
  3. Nacha: How ACH Works — Official overview of ACH participants, consumer and corporate payments, and authorization responsibilities.
  4. Nacha Operating Rules Topics — Current rule changes and implementation topics published by Nacha.

Sources reviewed August 20, 2026. Nacha owns and maintains the linked materials.