Overview
Because ACH settlements are processed in aggregated or batched form, we provide this report with transaction-level ACH details to help reconcile them with the aggregated settlements shown on your bank statement.
| Field Name | YYYY-MM-DD_CLIENTNAME-ach-cash-recon-report_[UNIQUE-POSTFIX].csv (this follows the other report naming convention) |
|---|
| Delivered To | bank-account-reports (along with other bank-account-reports) |
| Frequency | Per calendar day for previous calendar day’s settled ACH transactions (since ACH only settles on business days, this report will have 0 data rows (only headers) during the bank holidays) |
| Data Cutoff Time | 12:00:00 a.m. CT to 11:59:59 p.m. CT |
| Delivery SLA | By 6:00 a.m. for ACH transactions settled on the previous calendar day |
Notification of Change (NOC) ACH entries will not be included in this report, as they do not have a monetary impact on the underlying account.
Report Fields
| Field Name | Description | Example | Note |
|---|
| Settlement Date | Date money settled/posted in account | 2023-11-15 | |
| Settlement Code | Fed AMI Transaction Code | - 5701 - 5702 - 5703 | This is the aggregated batch posting code shown in the description in the activity report. |
| Settlement Type | For this ach_id, what type of settlement is performed. | - ORIGINATION - RETURN - DISHONORED_RETURN - CONTESTED_RETURN | Since one ach_id might settle multiple times, we need a separate type to distinguish in the life cycle. Note: “Reversal” can be identified by the Statement Descriptor field and the Linked Reversal ID. |
| Bank Account Id | Underlying account_id this ACH transaction was posted to. | account_2WxBDCONkqokrba1kD2WhYeXz2g | Unique account_id on Lead’s platform. |
| Bank Account Number | The root bank account number of the associated account_id, usually the program-level account number. | 1XXXXX2854 | This will be the account numbers you can see on the online banking portal. |
| Transaction Type | Money movement direction | CREDIT or DEBIT | |
| Amount | Amount of the transaction, at dollar base unit | $1,230.45 | |
| ACH ID | ID of the ACH object that was settled | ach_2XMfszvX8InZJio83Q7DtnfOLmN | An ach_id can settle multiple times. See “settlement_type” field above. |
| Direction | ACH direction | INCOMING or OUTGOING | |
| Destination Account Number | INCOMING: account number used for payment attribution. This can be the account numbers on the Lead platform, including virtual account numbers. OUTGOING: counterparty/receiver’s account number. | 21XXXXXXX24478 | This is where the virtual account number for incoming debit that you’ll use for reconciliation. |
| Statement Descriptor | Entry description of the original ACH | | |
| Company ID | INCOMING: counterparty company id OUTGOING: origination company id | | |
| Company Name | Name associated with the company id | | |
| Delivery Type | Intended delivery type for this ACH when created through API | SAMEDAY, STANDARD, or empty | Only available for API-created outgoing ACH. Empty for file-based outgoing ACH or incoming ACH. |
| Routing Number | INCOMING: Lead’s receiving routing number OUTGOING: receiver’s routing number | | |
| Linked Reversal ACH ID | If a REVERSAL is issued against an original outgoing payment: - For original payment, this field should show the ach_id of the corresponding REVERSAL ach_id - For the reversal payment, this field should show the ach_id of the original payment. NOTE: For “return” settlement_type, the behavior of this field should match its parent ach_id. | ach_1XMfszvX8InZJio83Q7DtnfOoPM | Similar concept in API – this will provide the linked ach_id if reversal is issued. You will use the “statement descriptor” field to identify which payment is the “reversal.” |
Settlement Code Mapping
| Settlement Code | Incoming/Outcoming
Credit/Debit | Settlement Time | Partner Description |
|---|
| 5701 | ACH Debit Transaction Originated | 8:30 a.m. | 5701 ACH Outgoing Debit 830 ET |
| 5702 | ACH Debit Transaction Received | 8:30 a.m. | 5702 ACH Incoming Debit 830 ET |
| 5703 | ACH Credit Transaction Originated | 8:30 a.m. | 5703 ACH Outgoing Credit 830 ET |
| 5704 | ACH Credit Transaction Received | 8:30 a.m. | 5704 ACH Incoming Credit 830 ET |
| 5724 | Same Day ACH Debit Originated | 5:00 p.m. | 5724 ACH Outgoing Debit 5pm ET |
| 5725 | Same Day ACH Debit Received | 5:00 p.m. | 5725 ACH Incoming Debit 5pm ET |
| 5726 | Same Day ACH Credit Originated | 5:00 p.m. | 5726 ACH Outgoing Credit 5pm ET |
| 5727 | Same Day ACH Credit Received | 5:00 p.m. | 5727 ACH Incoming Credit 5pm ET |
| 5729 | Same Day ACH Debit Originated | 1:00 p.m. | 5729 ACH Outgoing Debit 1pm ET |
| 5730 | Same Day ACH Debit Received | 1:00 p.m. | 5730 ACH Incoming Debit 1pm ET |
| 5731 | Same Day ACH Credit Originated | 1:00 p.m. | 5731 ACH Outgoing Credit 1pm ET |
| 5732 | Same Day ACH Credit Received | 1:00 p.m. | 5732 ACH Incoming Credit 1pm ET |
| 5734 | Same Day ACH Debit Originated | 6:00 p.m. | 5734 ACH Outgoing Debit 6pm ET |
| 5735 | Same Day ACH Debit Received | 6:00 p.m. | 5735 ACH Incoming Debit 6pm ET |
| 5736 | Same Day ACH Credit Originated | 6:00 p.m. | 5736 ACH Outgoing Credit 6pm ET |
| 5737 | Same Day ACH Credit Received | 6:00 p.m. | 5737 ACH Incoming Credit 6pm ET |
