ACH File Converter

ACH Prenote Generator

Create zero-dollar prenotification entries from an ACH file.

A generated prenote is not proof that an account has been validated; review your bank's response and timing requirements.

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Source ACH/NACHA file

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What a prenote tests

A prenote communicates account and routing instructions through the ACH network without transferring funds. It supports an account setup process but does not itself prove ownership or authorization.

How live entries become zero-dollar records

The generator retains appropriate receiver and batch context, uses eligible prenote transaction codes, sets amounts to zero, and rebuilds traces and controls.

Timing and response handling

  • Follow current Nacha and ODFI timing requirements.
  • Monitor Returns and Notifications of Change.
  • Correct reported account data before live use.
  • Keep authorization evidence outside the file.

Prenotes compared with micro-entries

Prenotes carry no value, while micro-entries use small credits and potentially offsetting debits under a separate verification framework. Choose the process approved by the organization and ODFI.

Questions about ACH prenotes

Does a prenote move money?

No. It is a zero-dollar ACH entry.

Does no response guarantee the account is valid?

No. Continue to monitor exceptions and follow the ODFI process before sending live entries.

Is a prenote the same as a micro-entry?

No. Micro-entries use small monetary amounts and have separate rules and procedures.

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.