ACH File Converter

ACH File Summary

Calculate batch counts, entry counts, hashes, debits and credits from an ACH file.

1

Source ACH/NACHA file

Investigate the summarized totals

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Numbers shown in the overview

The summary rolls up batch count, entry and addenda count, debit and credit totals, entry hash, block count, and payment classifications without requiring manual record-by-record arithmetic.

Breakdowns that explain the totals

Batch-level views connect company identity, SEC code, service class, effective date, counts, hashes, and amounts to the corresponding portion of the file.

Reconciliation questions to ask

  • Do counts match the approved payment register?
  • Do debit and credit totals match the funding expectation?
  • Are all companies and SEC codes expected?
  • Do stored controls equal calculated results?

Summary versus full validation

A summary helps reconcile what is present. Validation additionally tests record lengths, hierarchy, routing checksums, traces, addenda relationships, controls, and padding.

Questions about ACH file totals

Does the summary calculate totals from entries?

Yes. It derives counts, hashes, debits, and credits from parsed records for comparison with stored controls.

Why can stored and calculated totals differ?

Records may have changed after controls were created, or the file may be truncated or malformed.

Is a matching total enough to approve a file?

No. Receiver details, authorization, classification, dates, structure, and bank requirements still matter.

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.