Create an account-verification micro-entry file for review. Free, no signup, and your file is processed locally in your browser.
Primary topic: ACH micro-entry generator
Micro-Entries require a complete verification and fraud-monitoring process; generating a file alone does not satisfy those obligations.
The ACH micro-entry generator creates small-value ACH entries used as part of an account-validation workflow. Use this ACH micro-entry generator as a practical first step, then review its results carefully. follow current authorization, fraud-monitoring, receiver communication and micro-entry requirements before using the generated file in production.
A reliable ACH micro-entry generator workflow starts by confirming the business purpose before changing or exporting any data. This page is designed for creates small-value ACH entries used as part of an account-validation workflow. It performs the supported work locally, so the source does not need to be sent to a conversion service. Use the ACH micro-entry generator with an approved source and a clearly defined expected result.
Start with receiver routing and account details, approved micro-entry amounts and the required originator configuration. 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 NACHA file containing reviewable micro-entries with calculated controls and trace numbers. Before transmission or downstream import, review amounts, offset behavior, company description, SEC code, effective date, receiver authorization, entry timing and your documented verification follow-up process, save the source separately and follow your organization’s approval process.
Confirm that the selected input really contains receiver routing and account details, approved micro-entry amounts and the required originator configuration. 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. follow current authorization, fraud-monitoring, receiver communication and micro-entry requirements before using the generated file in production. Ask the ODFI for the rejection code and compare it with the company profile, identifiers and processing date.
It creates small-value ACH entries used as part of an account-validation workflow. The ACH micro-entry generator processes the data locally in your browser and does not require an account.
It needs receiver routing and account details, approved micro-entry amounts and the required originator configuration. Files remain on your device during processing.
You will get a NACHA file containing reviewable micro-entries with calculated controls and trace numbers. Review the result before using it in an operational workflow.
Check amounts, offset behavior, company description, SEC code, effective date, receiver authorization, entry timing and your documented verification follow-up process. Also remember that follow current authorization, fraud-monitoring, receiver communication and micro-entry requirements before using the generated file in production.
Collect receiver routing and account details, approved micro-entry amounts and the required originator configuration. Keep the bank-approved company settings separate from receiver details so they can be reviewed independently before generation.
Yes. Entry and addenda counts, routing hashes, debit and credit totals, batch controls, file controls, block count and type 9 padding are rebuilt from the current entries.
The software can create a technical file, but it cannot establish authorization. You remain responsible for the authorization, notice, timing and record-retention requirements that apply to each entry.
Record approved company and ODFI settings in your controlled internal documentation. Recheck them whenever your bank relationship, account, SEC code or processing instructions change.
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.