Overview
You’ll transmit Nacha formatted ACH files via SFTP.Standard Nacha formatting guidelinesWe validate your incoming files to ensure completeness and formatting accuracy before forwarding to the Fed for further processing.
Folder Structure
All program related files will be dropped into folders on the SFTP server with the following access:- Read/Write: For all folders where you are the submitter
- Read Only: For folders where Lead is the submitter
| File | Submitter | Folder Name | File Example |
|---|---|---|---|
| ACH Outgoing | You | ach/outgoing | 20260115T171640Z_outgoing_ach_1768557400.ach |
| ACH Failed | Lead | ach/failed | 20260115T171640Z_outgoing_ach_1768557400.ach |
| ACH Incoming | Lead | ach/incoming | 20260115T171640Z_incoming_ach_retun_noc_768557400.ach 20260115T171640Z_incoming_ach_return_768557400.ach 20260115T171640Z_incoming_ach_noc_768557400.ach20260115T171640Z_incoming_ach_forward_768557400.ach |
| ACH Processed | Lead | ach/processed | 20260115T171640Z_outgoing_ach_768557400.ach |
File Naming
We utilize a consistent filename format that aims to:- Indicate the type of file
- Indicate the content represented in the particulare file
- Prevent filename colliions for similar files
Example File Format
20260115T171640Z_incoming_ach_forwards_1768497400.ach
| 20260115T171640Z | incoming_ach_forwards | 1768497400 |
|---|---|---|
| Content Identifier | File Type | Epoch Time of File Generation |
| This will correspond to the content of the file. For loan origination files, this will be a date. For ACH files, this will be a date and time. | This indicates the meaning and format of the file. | This serves to prevent similar fiels from colliding and preserves generation time ordering for similarly name files. |
Example Invalid File Name
If the initial file version is invalid or changes are required, you must submit the updated version of the file — with an updated epoch time of version label, such as “v2”.| Original | 20260115T171640Z_incoming_ach_forwards_1768497400.ach |
|---|---|
| Updated Resubmission | 20260115T171640Z_incoming_ach_forwards_1768642400.ach Notice the updated epoch timestamp |
File Header Guidelines
Nacha file headers have some flexibility on the values of certain fields. The following table outlines what values to use/expect for certain fields for both outgoing and incoming files.| Field Name | Outoing (You to Lead) | Incoming (Lead to You) |
|---|---|---|
| Immediate Origin | This field is not used by the Lead’s ACH system as we have other ways to identify clients. We use CompanyID on the batch header for posting to identify your account. Please specify as 9999999999. Partners may in some cases need to specify this value and should work with Lead if this is needed. | 101019644 (Lead’s Routing Number) |
| Immediate Origin Name | Blank | Lead Bank |
| Immediate Destination | 101019644 | 9999999999 Contact Lead if you need to set this to a specific value. |
| File Creation Date | Determined at file generation time | Determined at file generation time |
| File Creation Time | Determined at file generation time | Determined at file generation time |
| File ID Midifier | Determined at file generation time | Determined at file generation time |
| Reference Code | Blank | Blank |