FS FinOps Studio
94-Char NACHAABA ChecksumPPD / CCD / WEBTwo-Way Parser

94-Character US NACHA ACH File Generator & Parser (PPD, CCD, WEB)

Create bank-compliant US Direct Deposit & Vendor ACH batches for Chase, Bank of America CashPro, Wells Fargo CEO, CitiDirect, and SVB—or parse raw .ach files into JSON.

Input Payload (JSON / BAI2 / XML — Editable) 100% Client-Side Browser Preview
Generated Bank File / Decoded Output READY

      
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Frequently Asked Questions

How does ABA routing checksum validation prevent ACH return fees?

Every 9-digit routing number is checked against the Federal Reserve 10-point weighted checksum formula (3-7-1 weights mod 10 = 0) before the batch is created.

Does it pad files with 9999... blocking lines?

Yes. Every generated NACHA file includes exact Record 1, 5, 6, 8, and 9 headers/controls plus automatic block-factor-10 9999... padding lines.

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