Decode Return addenda and export a readable exception report. Free, no signup, and your file is processed locally in your browser.
Primary topic: ACH return file analyzer
The ACH return file analyzer decodes returned ACH entries and their addenda into a readable exception report. Use this ACH return file analyzer as a practical first step, then review its results carefully. return handling has time-sensitive and legal consequences, so follow your bank’s procedures and applicable rules.
A reliable ACH return file analyzer workflow starts by confirming the business purpose before changing or exporting any data. This page is designed for decodes returned ACH entries and their addenda into a readable exception report. It performs the supported work locally, so the source does not need to be sent to a conversion service. Use the ACH return file analyzer with an approved source and a clearly defined expected result.
Start with an ACH return file containing return addenda and original entry references. 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 report of return codes, descriptions, amounts, trace information, dates and affected receiver entries. Before transmission or downstream import, review the return reason, deadline, original trace number, amount, receiver details and required operational response, save the source separately and follow your organization’s approval process.
Confirm that the selected input really contains an ACH return file containing return addenda and original entry references. 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. return handling has time-sensitive and legal consequences, so follow your bank’s procedures and applicable rules. Ask the ODFI for the rejection code and compare it with the company profile, identifiers and processing date.
It decodes returned ACH entries and their addenda into a readable exception report. The ACH return file analyzer processes the data locally in your browser and does not require an account.
It needs an ACH return file containing return addenda and original entry references. Files remain on your device during processing.
You will get a report of return codes, descriptions, amounts, trace information, dates and affected receiver entries. Review the result before using it in an operational workflow.
Check the return reason, deadline, original trace number, amount, receiver details and required operational response. Also remember that return handling has time-sensitive and legal consequences, so follow your bank’s procedures and applicable rules.
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 the return reason, deadline, original trace number, amount, receiver details and required operational response, 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.