ACH File Converter

Excel to ACH Converter

Convert an Excel workbook into a validated ACH/NACHA file.

1

Source Excel file

Review the workbook conversion

Browse all tools

Continue with a tool that fits the next step in this workflow.

Choose the worksheet and header row

Select the sheet that contains the payment table and identify its real column headings. Decorative titles, merged cells, subtotals, formulas, and hidden summary rows should not be treated as receiver entries.

Preserve banking data from Excel

Identifiers stored as text

Routing numbers, account numbers, company IDs, and receiver IDs should retain leading zeros and should not appear in scientific notation.

Amounts and dates

Check formula results, currency scaling, negative values, and Excel date interpretation before mapping them to amount and effective-date fields.

From worksheet rows to NACHA records

Each accepted payment row becomes an Entry Detail Record. The converter groups compatible rows, assigns traces, adds supported addenda, builds headers and controls, and pads the output to a ten-record block.

Workbook problems that change the result

  • Exclude filtered totals and notes.
  • Resolve duplicate or empty column names.
  • Check formulas for errors or stale calculated values.
  • Compare imported counts and totals with the visible source rows.

Excel import and ACH creation questions

Can the converter read an XLSX workbook with several sheets?

Yes, but select the payment sheet intentionally. Other sheets may contain summaries or lookup data that are not payment entries.

Are Excel formulas placed in the ACH file?

No. The converter uses the displayed values available from the workbook, so verify calculated amounts before export.

Why are leading zeros important?

Routing and account values are identifiers, not quantities. Losing a leading zero changes the payment instruction and may make a routing number invalid.

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.