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ACH File Structure and Record Types Flashcards

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  1. What is the maximum length of the 'Company Entry Description' field in an ACH Batch Header Record?

    Answer: 10 characters

    The Company Entry Description field is exactly 10 characters and typically appears on the receiver's bank statement to describe the nature of the payment.

  2. The 'Total Debit Entry Dollar Amount' field in an ACH File Control Record includes which entries?

    Answer: All debit entries across every batch in the file

    The File Control Record's Total Debit Entry Dollar Amount is the grand total of all debit Entry Detail Records from every batch in the file, used for file-level balancing.

  3. What does the 'Originator Status Code' field in the ACH Batch Header Record identify?

    Answer: Whether the originator is a government entity or other originator

    The Originator Status Code is a one-character field that distinguishes government originators ('2') from non-government originators ('1'), affecting certain regulatory and processing rules.

  4. In an ACH Trace Number, what do the first 8 digits represent?

    Answer: The ODFI's routing transit number (without the check digit)

    The first 8 digits of the 15-digit ACH Trace Number are the ODFI's 8-digit routing transit number (the 9-digit RTN minus its check digit), uniquely identifying the originating institution.

  5. Which field in the ACH File Header Record identifies the entity that created or originated the ACH file?

    Answer: Immediate Origin Name

    The Immediate Origin Name field (23 characters) in the File Header Record identifies the originating entity — either the ODFI or the company that created the ACH file.

  6. What does the 'Entry/Addenda Count' field in an ACH Batch Control Record include?

    Answer: Both Entry Detail Records and Addenda Records combined

    The Entry/Addenda Count field is the sum of all Entry Detail Records and all Addenda Records within the batch, used to verify that no records were dropped or added.

  7. What is the purpose of the 'File ID Modifier' field in the ACH File Header Record?

    Answer: To distinguish multiple files sent by the same originator on the same date

    The File ID Modifier (a single alphanumeric character, A–Z or 0–9) distinguishes multiple ACH files created by the same originator on the same business day, preventing duplicate file confusion.