ACH — batch control debit total ≠ the sum of its entries
A CCD debit batch whose Batch Control declares 18,450.00 while its two entries add up to 28,075.00 — the classic bug of a generator that writes the trailer before it has added the last entry. Everything else in the file is right, including the file control totals, so the validator reports exactly one error and names both figures. This is the single most common reason a bank rejects a hand-built ACH file.
Nacha 94-character — Invalid
A CCD debit batch whose Batch Control declares 18,450.00 while its two entries add up to 28,075.00 — the classic bug of a generator that writes the trailer before it has added the last entry. Everything else in the file is right, including the file control totals, so the validator reports exactly one error and names both figures. This is the single most common reason a bank rejects a hand-built ACH file.
What this file shows
A CCD debit batch whose Batch Control declares 18,450.00 while its two entries add up to 28,075.00 — the classic bug of a generator that writes the trailer before it has added the last entry. Everything else in the file is right, including the file control totals, so the validator reports exactly one error and names both figures. This is the single most common reason a bank rejects a hand-built ACH file.
| Transactions | 2 |
|---|---|
| Total | $28,075.00 |
| Date in the file | 2026-07-12 |
The defects it carries
- BatchTotalsBatch 0000001 : total des débits déclaré (18450.00) ≠ total calculé (28075.00).
Quoted verbatim from the validator, not paraphrased.
Every party, IBAN and amount below is fictitious. The IBANs are structurally valid — they pass the mod-97 check — but they belong to no real account.
File content
101 091000019 0910000192607121200A094101RECEIVING BANK ORIGIN BANK
5225NORTHWIND SUPPL 9876543210CCDINVOICE 260712 1091000010000001
6270210000212200334455 0001845000CUST-00821 BLUERIDGE FOODS LLC 0091000010000001
6270312013606677889900 0000962500CUST-00907 HARBOR TOOLING CO 0091000010000002
822500000200052201380000018450000000000000009876543210 091000010000001
9000001000001000000020005220138000002807500000000000000
9999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999
9999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999
9999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999
9999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999
How we know these results hold
Every file in this library is run through the site's own validator on each build. The expected result stated above is asserted by an automated test — if a file stopped matching what this page claims, the build would fail. Two inherited fixtures were repaired this way before publication: three IBANs failed the mod-97 check and several names used characters outside the basic SEPA character set.
ACH / NACHA file (US)
- ACH — a returned WEB debit (R01, insufficient funds)
- ACH — a notification of change (C01, corrected account number)
- ACH — an international entry (IAT) with its seven mandatory addenda
- ACH — PPD payroll credits, balanced with an offset debit
- ACH — CCD corporate debits with an addenda 05 remittance
- ACH — WEB debits (e-commerce, recurring and single-entry)
- ACH — CTX with seven addenda 05 carrying an EDI 820
- ACH — entry hash mismatch (truncated or tampered file)
- ACH — invalid ABA 3-7-1 check digit on an entry routing number