ACH File Converter

NACHA File Viewer

Read an ACH file and inspect every batch, entry, addenda and raw NACHA record.

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Source ACH/NACHA file

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Information available in the file view

The summary shows batch and entry counts, debit and credit totals, SEC codes, service classes, and parser findings. Batch views expose company identifiers, descriptions, effective dates, ODFI data, and their related entries.

Entry rows make receiver names, routing data, account values, amounts, transaction codes, trace numbers, and addenda easier to review than the original 94-character text.

How raw records map to readable fields

Headers and controls

Type 1 and 5 records open the file and batches; type 8 and 9 records close them and store counts, hashes, and monetary totals.

Entries and addenda

Type 6 records carry payment instructions. Eligible type 7 records follow their entry and carry payment-related, Return, or Notification of Change information.

Review questions before using the data

  • Do the displayed batch and entry counts match the expected payment run?
  • Do debit and credit totals agree with the source approval?
  • Are SEC codes, effective dates, transaction codes, and company descriptions appropriate?
  • Do addenda and trace numbers remain attached to the intended entries?

When viewing should lead to validation or editing

Use the validator when the goal is to determine whether controls and structure reconcile. Use the editor only when a supported field requires an authorized change. Viewing alone does not certify the file or modify its records.

Questions about reading NACHA records

Can I read an ACH file without specialized desktop software?

Yes. The viewer parses a text-based NACHA file locally and presents fixed-width fields in readable summaries and tables.

Does the viewer upload banking data?

The supported browser workflow processes the selected file on the device. Continue to handle screenshots and exported information as sensitive data.

Can the viewer open CSV or Excel files?

No. CSV and Excel are tabular source formats, not fixed-width ACH files. Use the corresponding converter when those formats contain payment rows.

Is a readable file automatically valid?

No. Parsing means records could be interpreted. Validation separately checks lengths, relationships, routing checksums, controls, totals, traces, and padding.

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.