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ACH (NACHA) Generator

Generate NACHA-compliant ACH files with multi-batch support (PPD and CCD) for submission to your US financial institution.

Processed entirely in your browser

No banking details are sent to any server. All data stays in your browser session and is cleared when you refresh or close the tab.

Critical: Leading Zeros Must Be Preserved

Routing and account numbers must be treated as TEXT, not numbers. Leading zeros are required and will be silently dropped by Excel if cells are formatted as Number or General.

Most users upload a completed CSV. Use Enter in Browser to enter values manually or review imported data before generating.

Upload ACH CSV

Download the template, fill in your originator details and payments, export to CSV, then upload here. Imported values are available to review before generating.

Before you upload

Download the Excel template below and fill in your originator details and payments.
Format routing and account columns as Text in Excel to preserve leading zeros.
Save a copy as CSV (Comma delimited) — do not upload the .xlsx directly.
Upload the .csv file here, review the imported values, then generate.

Or drag and drop a CSV file here

NACHA 2026 rule: PAYROLL description required for payroll batches

For PPD credits paying wages, salaries, or 1099 contractor compensation, company_entry_description must start with PAYROLL in the leftmost 7 characters (with up to 3 optional trailing chars — e.g. PAYROLL, PAYROLLQ4, PAYROLL01). Effective March 20, 2026 for all originators. Non-payroll PPD credits (expense reimbursements, settlements, bonuses paid as separate entries) and all CCD batches are not affected.

CSV Column Reference

Column	Used in	Description
section	All rows	`META` or `PAYMENT`
key	META rows	Field name, e.g. `company_name`, `company_entry_description`, `immediate_destination`. Download the blank CSV or Excel template for the full list of META keys.
value	META rows	Field value for the META key. For `company_entry_description`, enter the batch description shown to receivers (e.g. `PAYROLL`, `VENDOR`, `EXPENSES`) — max 10 chars.
batch_type	PAYMENT rows	`PPD` (Batch 1) or `CCD` (Batch 2)
receiver_name	PAYMENT rows	Payee full name
receiver_routing_9	PAYMENT rows	9-digit ABA routing number — format as Text in Excel to preserve leading zeros
receiver_account	PAYMENT rows	Bank account number — format as Text in Excel to preserve leading zeros
amount_usd	PAYMENT rows	Payment amount, e.g. `1000.00`
payment_id	PAYMENT rows	Your internal reference ID (optional)

Example Rows

section,key,value,batch_type,receiver_name,receiver_routing_9,receiver_account,amount_usd,payment_id

META,company_name,ACME CORP,,,,,,

META,company_entry_description,PAYROLL,,,,,,

META,immediate_destination,021000021,,,,,,

PAYMENT,,,PPD,John Doe,021000021,1234567890,1000.00,PAY001

PAYMENT,,,CCD,Acme Corp,021000021,9876543210,2500.00,PAY002

After uploading, switch to Enter in Browser to review all imported values before generating.