ACH file
Turn an Excel or CSV payment list into the NACHA file your bank needs for direct deposit and vendor payments. You see every line before it goes to your bank.
Note: Your bank must approve you for ACH first
1. Upload
Your bank details
Needed for your file.
Copy these from your bank's ACH setup: the letter or form you got when ACH uploads were turned on, or the ACH settings in your online banking.
Note: Not a bank-verified format
As your bank's ACH setup shows it. Up to 23 characters.
Usually your bank's routing number. Its first 8 digits also mark every payment as coming from your bank.
The name payees see on their statements. Up to 16 characters.
Exactly as your bank gave it, often a 1 followed by your 9-digit EIN.
Your bank's ACH setup says which. Many banks use the Company ID.
9 digits.
Leave this off unless your bank's ACH setup asks for an offsetting entry. Most upload screens add it for you.
Used only in this file. It's never saved.
Then the free test file has your first 3 payments with their real amounts, instead of $0.00 prenotes.
Use the one your bank's upload screen accepts.
Saved only in this browser. Account numbers are never saved.
Drop your payment list here
Excel or CSV, with each payee's name, routing number, account number and amount. The file stays in your browser.
Error: We couldn't use this file
Sample bank details are filled in (fake data). Replace them with your bank's before you make a real file.
Match your columns
2. Check
Upload your payment list to start.
The file proof shows exactly what goes to your bank, line by line, before anything leaves this page.
This file
People: employees and other individuals. Businesses: vendors and other companies. Paying both? Make two files, one for each, from two lists.
Up to 10 characters, shown on payees' statements. Nacha requires PAYROLL for wages paid to people.
The banking day the payments settle. Today makes it Same Day ACH.
Needs attention: This is a Same Day ACH file
Needs attention: Finish these to see your file
Every payment in your list
Note: Left out of your file
| Row | Name | Routing | Account | Type | Amount | Status |
|---|
3. Download
Your download options appear here after your file is checked.
Needs attention: You already downloaded these payments
Send a test file to your bank first
This is your first file for your bank. Send a test file to your bank first and confirm it was accepted. Your bank's treasury or cash management team can tell you how.
Download your file
You confirmed that your bank accepted your test file.
- Download the test file below. It has your first 3 payees as $0.00 prenotes, so no money moves, and it's free.Download the test file below. It has your first 3 payments with their real amounts, and it's free.
- Upload it through your bank's test or file validation option.
- Wait for the bank to confirm it was accepted.
You only need to do this once for each bank.
Needs attention: This test file contains real payment amounts
Download file turns on after you tick the box above.
New payees? Send a prenote file first
A prenote file lists every payee at $0.00, so their banks can check each account before real money moves. Wait at least 3 banking days after sending it before you send the payments, unless your bank tells you otherwise. Prenote files are free.
See plans. Payments open soon.
You must review every file before submitting it to your bank. You are solely responsible for the files you upload to your bank and for the payments, checks and account details they contain. BankFileKit creates files from the data you provide. It does not send payments, verify payees or guarantee that your bank will accept a file. Read the Terms of Service.
Files made on this computer (0)
Saved only in this browser: dates, payment counts, totals and effective dates. Never names, routing numbers or account numbers. The files themselves aren't saved.
Files you download will be listed here, on this computer only.
| Date | Bank | File | Payments | Effective date | Total | Type | Remove |
|---|