Calculate batch counts, entry counts, hashes, debits and credits from an ACH file. Free, no signup, and your file is processed locally in your browser.
Primary topic: ACH file summary tool
The ACH file summary tool calculates a concise overview of an ACH file without requiring manual fixed-width record review. Use this ACH file summary tool as a practical first step, then review its results carefully. a summary is useful for reconciliation but does not replace entry-level validation or authorization review.
A reliable ACH file summary tool workflow starts by confirming the business purpose before changing or exporting any data. This page is designed for calculates a concise overview of an ACH file without requiring manual fixed-width record review. It performs the supported work locally, so the source does not need to be sent to a conversion service. Use the ACH file summary tool with an approved source and a clearly defined expected result.
Start with a parseable NACHA file containing file, batch, entry and control records. Work from a copy, preserve leading zeros and remove unrelated report headings or totals that could be mistaken for transaction data.
Use the on-page controls, then compare the displayed batch count, entry count, total debits and total credits with the source expectation. Investigate warnings instead of assuming that a downloadable result is correct.
The expected result is a summary of batches, entries, addenda, debit totals, credit totals, entry hash, service classes and SEC codes. Before transmission or downstream import, review whether calculated values agree with controls and whether warnings indicate malformed or inconsistent records, save the source separately and follow your organization’s approval process.
Confirm that the selected input really contains a parseable NACHA file containing file, batch, entry and control records. A renamed extension does not convert a spreadsheet, PDF or binary export into a valid ACH-related source.
Compare entries one batch at a time. Missing rows, duplicated rows, amount scaling, debit-versus-credit selection and malformed addenda can all change counts or monetary totals.
Format validation does not verify enrollment or bank policy. a summary is useful for reconciliation but does not replace entry-level validation or authorization review. Ask the ODFI for the rejection code and compare it with the company profile, identifiers and processing date.
It calculates a concise overview of an ACH file without requiring manual fixed-width record review. The ACH file summary tool processes the data locally in your browser and does not require an account.
It needs a parseable NACHA file containing file, batch, entry and control records. Files remain on your device during processing.
You will get a summary of batches, entries, addenda, debit totals, credit totals, entry hash, service classes and SEC codes. Review the result before using it in an operational workflow.
Check whether calculated values agree with controls and whether warnings indicate malformed or inconsistent records. Also remember that a summary is useful for reconciliation but does not replace entry-level validation or authorization review.
It can report many record-level problems when the file remains parseable. Severely truncated, binary or incorrectly encoded input may need to be exported again before reliable analysis is possible.
An error identifies a structural or arithmetic problem likely to require correction. A warning calls attention to unusual or bank-dependent data that needs human review but may still be accepted.
No. Structural checks cannot confirm receiver authorization, account ownership, available funds, processing deadlines or the terms of your agreement with the financial institution.
Retain the source file according to your security policy and document the review outcome. Focus on whether calculated values agree with controls and whether warnings indicate malformed or inconsistent records, along with any operational decisions made from the report.
Technical explanations are checked against these primary sources. Bank-specific requirements can be narrower than general format guidance.
Sources reviewed August 20, 2026. Nacha owns and maintains the linked materials.
ACH files use the NACHA fixed-width format: every record is 94 characters, files contain one or more batches, and control records reconcile entry counts, routing-number hashes, debits and credits. Always confirm bank-specific settings with your financial institution before uploading a production file.