ACH File Converter

ACH Micro-Entry Generator

Create an account-verification micro-entry file for review.

Micro-Entries require a complete verification and fraud-monitoring process; generating a file alone does not satisfy those obligations.

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Source ACH/NACHA file

Check the verification entries

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How micro-entry verification works

Small-value entries are sent to a receiver account and later confirmed through the organization’s verification process. The file is only one part of identity, authorization, and fraud controls.

Amounts, descriptions, and offsets

Use values, Company Entry Description, timing, and offset treatment that follow current rules and the ODFI program. The output rebuilds transaction codes, traces, totals, and controls.

Safeguards before sending test amounts

  • Confirm receiver authorization.
  • Apply fraud and velocity monitoring.
  • Use the required description and timing.
  • Verify the result before initiating live payments.

Micro-entries compared with prenotes

Micro-entries move small amounts and require verification procedures. Prenotes are zero-dollar entries used in a different account-checking process.

Questions about ACH micro-entries

Are micro-entries real payments?

Yes. They use small monetary amounts and must be handled as live ACH entries.

Can a micro-entry be zero dollars?

No. A zero-dollar account-checking entry is a prenote, not a micro-entry.

Does generating the file complete verification?

No. The receiver response and the organization’s approved verification controls complete the process.

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.