Convert Payroll & Vendor CSV Spreadsheets to US Bank NACHA (.ach) Files
Instantly turn employee direct-deposit or vendor bill-pay spreadsheets into 94-character block-10 padded NACHA ACH files for J.P. Morgan Chase, Bank of America CashPro, Wells Fargo CEO, and CitiDirect.
Why won't Chase, Bank of America CashPro, or Wells Fargo accept a normal Excel CSV?
US Automated Clearing House (ACH) portals require strict 94-character fixed-width ASCII records (Record 1 File Header, Record 5 Batch Header, Record 6 PPD/CCD Entry Detail, Record 8 Batch Control, Record 9 File Control) padded with 9999... filler lines to an exact multiple of 10 lines.
How do we avoid $25–$35 bank ACH return fees from routing number typos?
FinOps Studio verifies every 9-digit US ABA routing number against the Federal Reserve 10-point weighted checksum formula before creating your .ach file.