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Brief description:

Automated Clearing House (ACH) is an electronic network for financial transactions in the United States. Examples of ACH credit transfers include direct deposits and vendor payments. Rules and regulations that govern the ACH network are established by NACHA and the Federal Reserve (

There are two types of NACHA files: Balanced and Unbalanced. The purpose of this page is to describe the steps to create a Balanced NACHA file. The primary difference between the two types is an additional line with a "credit" entry for the Balanced file. This line is the sum of the detail "debit" records.

What’s covered in this document:

Sample Unbalanced NACHA File

Sample Balanced NACHA File

Note the additional row which is the "credit" entry (outlined in red below).  The amount highlighted in yellow is the sum of the two detail Debit Records.

Additional Information

For more detailed information and assistance with setting up a NACHA file, please contact your Unanet CSM.

Quick Topic - Steps for Processing Payments via ACH information

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