Sample NACHA File
Generate a valid fictitious ACH file for testing and learning.
Sample configuration
This page uses fictitious account information and is intended only for testing.
Required bank settings
Your bank or ACH provider should give you these file-sender values. They are required even when the receiver is an individual. Enter them exactly as approved and do not guess.
- Payments
- 3
- Credits
- $600.00
- Debits
- $0.00
Advanced file details
- Batches
- 1
- Addenda
- 3
- Entry hash
- 0027300003
Entries
| Row | Receiver | Routing | Account | Amount | Payment type | Trace | Addenda | Actions |
|---|---|---|---|---|---|---|---|---|
| 1✓ | ||||||||
| 2✓ | ||||||||
| 3✓ |
Validation
Complete the file details and entry fields, then select Generate ACH file to run validation.
Enter the name only. The .ach extension is added automatically.
Use the sample in a test workflow
Browse all toolsContinue with a tool that fits the next step in this workflow.
Testing scenarios for a synthetic file
Use the sample to exercise upload screens, parsers, validators, record viewers, exports, and training materials without copying a production payment file.
Records included in the example
The generated file contains file and batch headers, fictitious Entry Detail Records, optional test addenda, batch and file controls, and type 9 padding in 94-character records.
Values you can vary safely
- Consumer or corporate batch classification.
- Credit or debit transaction direction.
- Fictitious receiver count and amounts.
- Optional addenda and intentionally invalid test cases.
When a sample must not be submitted
Synthetic routing, account, company, and receiver data are for testing only. Never send the sample through a bank channel or treat it as an authorized payment file.
Questions about sample NACHA data
Does the sample contain real bank accounts?
No. It is designed around fictitious test values rather than production banking data.
Can I use it to test a parser?
Yes. It provides fixed-width records and controls suitable for format and workflow tests.
Can I upload the sample to a bank?
No. It is not an authorized payment instruction and should remain in a test environment.
Which authoritative sources support this page?
Technical explanations are checked against these primary sources. Bank-specific requirements can be narrower than general format guidance.
- Nacha ACH File Details — Official record-field guidance, including Batch Header SEC codes and addenda capabilities.
- Nacha ACH File Overview — Official explanation of files, batches, entries, controls, and batch grouping.
- Nacha: How ACH Works — Official overview of ACH participants, consumer and corporate payments, and authorization responsibilities.
- 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.