Automated Clearing House (ACH) is an electronic network for financial transactions in the United States. Examples of ACH credit transfers include direct deposits and vendor payments. Rules and regulations that govern the ACH network are established by NACHA and the Federal Reserve ( There are two types of NACHA files: Balanced and Unbalanced. The purpose of this page is to describe the steps to creating a Balanced NACHA file. The primary difference between the two types is an additional line with a "credit" entry for the "Balanced" file. This line is the sum of the detail "debit" records.

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