ACH — PPD payroll credits, balanced with an offset debit
The reference file: what a correct NACHA file looks like. Four PPD payroll credits (three checking, code 22, one savings, code 32) and a fifth entry — the offset debit, code 27, on the company's own account for the exact total, which is what makes the file "balanced" and why the service class code is 200 (mixed) rather than 220. Entry hash, batch control totals, file control totals and the block count all reconcile, and every routing number satisfies the ABA 3-7-1 check digit.
Nacha 94-character — Valid
The reference file: what a correct NACHA file looks like. Four PPD payroll credits (three checking, code 22, one savings, code 32) and a fifth entry — the offset debit, code 27, on the company's own account for the exact total, which is what makes the file "balanced" and why the service class code is 200 (mixed) rather than 220. Entry hash, batch control totals, file control totals and the block count all reconcile, and every routing number satisfies the ABA 3-7-1 check digit.
What this file shows
The reference file: what a correct NACHA file looks like. Four PPD payroll credits (three checking, code 22, one savings, code 32) and a fifth entry — the offset debit, code 27, on the company's own account for the exact total, which is what makes the file "balanced" and why the service class code is 200 (mixed) rather than 220. Entry hash, batch control totals, file control totals and the block count all reconcile, and every routing number satisfies the ABA 3-7-1 check digit.
| Transactions | 5 |
|---|---|
| Total | $10,403.25 |
| Date in the file | 2026-07-12 |
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
5200ACME MFG INC 1234567890PPDPAYROLL 260712 1091000010000001
6220210000214512338901 0000285000EMP-00114 SARAH T MILLER 0091000010000001
6221210428827788990011 0000312450EMP-00115 DAVID R OKONKWO 0091000010000002
6320260095939900112233 0000198075EMP-00116 LIN CHEN 0091000010000003
6221110000253344556677 0000244800EMP-00117 MARCO ROSSI 0091000010000004
627091000019000199887766 0001040325OFFSET ACME MFG INC 0091000010000005
820000000500370052520000010403250000010403251234567890 091000010000001
9000001000001000000050037005252000001040325000001040325
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 — 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 — batch control debit total ≠ the sum of its entries
- ACH — invalid ABA 3-7-1 check digit on an entry routing number