Exhibit_F.1_-_EFT_File_Format.pdf
PDF 248 KB Posted
- Attached to
- Banking Services
- Solicitation number
- 25-P-131TF
- Issued by
- Volusia County, Florida
About this file
This is an Interface Design Document for Electronic Funds Transfer (EFT) File Format specifications for Volusia County, Florida's banking services procurement (RFP #25-P-131TF). The document provides technical specifications for NACHA-formatted EFT files that the selected bank must process, detailing the standard record types and field definitions required for electronic payment transmission. The County's banking services RFP, released October 10, 2025, with proposals due November 12, 2025, requires the selected bank to generate and process EFT files using five record types: File Header (Type 1), Batch Header (Type 5), Entry Detail (Type 6), Batch Control (Type 8), and File Control (Type 9). The contract term spans five years with potential renewals for up to five additional years, requiring the bank to process approximately 2,800 biweekly direct deposit payroll transactions and 75-125 weekly ACH vendor payments through properly formatted EFT files.
The EFT File Format document specifies precise field definitions, character positions, data lengths, and content requirements for each record type to ensure standardized electronic payment processing. All records must contain exactly 94 characters, with the File Header establishing baseline information including the nine-digit routing numbers for sending and receiving institutions, file creation date and time in military format, and file identification modifiers. Entry Detail records contain transaction codes, receiving bank routing information, account numbers, transaction amounts, payee identification, and trace numbers, while Batch and File Control records provide reconciliation data including entry counts, hash totals of routing numbers, and accumulated debit and credit dollar amounts. The document includes a sample PDI_Output_EFT.txt file demonstrating the format structure, enabling prospective banking partners to ensure technical compatibility with Volusia County's payment processing systems and existing computing infrastructure requirements.
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Text version
25-P-131TF Exhibit F.1 - EFT File Format
Interface Design Document – EFT Page 1 of 9
EFT FILE FORMAT
Overview Advantage generates standard NACHA formatted files to transmit EFT data to the bank. It uses record types 1(File header record),5 (Batch header record),6 (Entry detail record) ,8 (Batch control record), and 9 (File control record).
This process reads data from an input file, changes the date and writes the data back to another file. The date is changed from the end-of-pay-period date used for checks to the previous day’s date used for ACH payments.
EFT Output File Sample of PDI_Output_EFT.txt 101 06310027715960008851011182156A094101Bank of Volusia-PayrollCOUNTY OF VOLUSIA, FLOR
5200COUNTY OF VOLUSI 1596000885PPDPAYROLL 101118101123 1063100270000001
6222631795323150991 0000000000 ********** AJ 0063100270000001
6220631075131000439675115 0000000000 ***** DF 0063100270000002
622063100277005563488245 0000000000 ****** BB 0063100270000003
6220610001041000031798662 0000000000 ****** NJ 0063100270000004
6222631779034990008465716 0000000000 ******** MA 0063100270000005
6222631779036990009403825 0000000000 ******** DL 0063100270000006
6230631075131010184643880 0000000000 ********** ML 0063100270002837
6230610001041000059802065 0000000000 ****** KS 0063100270002838
6230531016261010085143285 0000000000 ****** DD 0063100270002839
6230631075131010047036110 0000000000 ******** CD 0063100270002840
820000284052143951660000000000000003425960801596000885 063100270000001 9000001000285000028405214395166000000000000000342596080 9999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999
Interface Design Document – EFT Page 2 of 9
Reference: EFT File Field Definitions
Record Type 1
Field Number Field Name
Position in Record Length Data Required? Content Description/Notes
1 Record Type Code 1 1 Y 1 Always "1" 2 Priority Code 2-3 2 Y 01 Always "01."
3 Immediate Destination 4-13 10 Y Bnnnnnnnn The nine-digit routing number of the institution receiving the ACH file for processing, preceded by a blank.
4 Immediate Origin 14-23 10 Y Bnnnnnnnn The nine-digit routing transit number of the institution sending (originating) the ACH file, preceded by a blank.)
5 File Creation Date 24-29 6 Y YYMMDD The date that the ACH file was created.
6 File Creation Time 30-33 4 N HHMM The time that the ACH file was created using a 24-hour, military time format.
7 File ID Modifier 34 1 Y A-Z, 0-9 For a single processing day, each file submitted by the financial institution should have a unique ID to allow for thorough duplicate file identification.
8 Record Size 35-37 3 Y 094 Always "094" because every record contains 94 characters.
9 Blocking Factor 38-39 2 Y 10 Always "10" because the blocking factor is 10.
10 Format Code 40 1 Y 1 Always "1."
11 Immediate Destination
Name 41-63 23 N alphanumeric Name of the financial institution receiving the payment file.
Interface Design Document – EFT Page 3 of 9
Field Number Field Name
Position in Record Length Data Required? Content Description/Notes
12 Immediate Origin Name 64-86 23 N alphanumeric Name of the financial institution sending the payment file.
13 Reference Code 87-94 8 N alphanumeric This field is reserved for information pertinent to the business.
Record Type 5
Position in Record Length Data Required? Content Description/Notes
1 Record Type Code 01-01 1 Y 5 Always "5" 2 Service Class Code 02-04 3 Y numeric Identifies the general classification of dollar entries to be exchanged
3 Company Name 05-20 16 Y alphanumeric Name of the Originator known and recognized by the Receiver.
4 Company Discretionary Data
21-40 20 N alphanumeric Originator/ODFI may include codes of significance only to them to enable specialized handling of all entries within the batch.
5 Company Identification 41-50 10 Y alphanumeric Used to identify the Originator. Assigned by the ODFI.
6 Standard Entry Class Code 51-53 3 Y alphanumeric Three-character code used to identify distinct types of entries.
Interface Design Document – EFT Page 4 of 9
Field Number Field Name
Position in Record Length Data Required? Content Description/Notes
7 Company Entry Description 54-63 10 Y alphanumeric Originator inserts this field's value to provide the Receiver with a description of the entry's purpose; however some SEC Codes require specific values for this field.
8 Company Descriptive Date 64-69 6 alphanumeric Originator establishes this field as the date it would like to see displayed to the Receiver for descriptive purposes.
9 Effective Entry Date 70-75 6 YYMMDD The banking day the Originator intends a batch of entries to be settled.
10 Settlement Date (Julian) 76-78 3 numeric Inserted by ACH Operator.
11 Originator Status Code 79-79 1 alphanumeric The code refers to the ODFI initiating the entry.
12 Originating DFI Identification
80-87 8 TTTTAAAA The routing number of the DFI originating the entries within the batch.
13 Batch Number 88-94 7 numeric The ODFI assigns this number in ascending sequence to each batch in a file of entries. The batch number in the Company/Batch Header record and the Company/Batch Control record must be the same.
Interface Design Document – EFT Page 5 of 9
Record Type 6
Position in Record Length Data Required? Content Description/Notes
1 Record Type Code 01-01 1 Y 6 Always "6."
2 Transaction Code 02-03 2 Y numeric Trancode for the transaction 3 Receiving DFI
Identification 04-11 8 Y TTTTAAAA This is the first 8 digits of the routing and transit number of the receiving bank (where the recipient account is located).
4 Check Digit 12-12 1 Y numeric This is the check digit (9th digit) of the routing and transit number of the receiving bank (where the recipient account is located).
5 DFI Account Number 13-29 17 Y alphanumeric This is the account number of the recipient.
6 Amount 30-39 10 Y $$$$$$$$cc This is the amount of the transaction.
7 Identification Number 40-54 15 N alphanumeric This is an optional field to identify the transaction to the Receiver.
8 Receiving Individual/Company Name
55-76 22 Y alphanumeric Entered by the Originator to provide additional identification of the Receiver and may be helpful in identifying return entries.
PPD Return Fee entries authorized by notice must contain the same information
Interface Design Document – EFT Page 6 of 9
Field Number Field Name
Position in Record Length Data Required? Content Description/Notes identified within the Individual Name field of the ARC, BOC, or POP entry to which the Return Fee Entry relates.
9 Discretionary Data 77-78 2 N alphanumeric ODFI may include codes, of significance to them, to enable specialized handling of the entry.
10 Addenda Record Indicator 79-79 1 Y numeric For Health Care EFT Transactions (except Prenotification Entries), the Addenda Record Indicator of the CCD Entry must always contain a value of "1."
11 Trace Number 80-94 15 Y numeric Assigned by the ODFI in ascending sequence that uniquely identifies each entry within a batch and the file.
Interface Design Document – EFT Page 7 of 9
Record Type 8
Position in Record Length Data Required? Content Description/Notes
1 Record Type Code 01-01 1 Y 8 Always "8."
2 Service Class Code 02-04 3 Y numeric Identifies the general classification of dollar entries to be exchanged.
3 Entry/Addenda Count 05-10 6 Y numeric A tally of each Entry Detail record and each Addenda Record processed within the batch.
4 Entry Hash 11-20 10 Y numeric The sum of all the Receiving DFI Identification fields contained within the Entry Detail Records in a batch.
5 Total Debit Entry Dollar Amount
21-32 12 Y numeric Contains the accumulated entry detail debit totals within the batch.
6 Total Credit Entry Dollar Amount
33-44 12 Y numeric Contains the accumulated entry detail credit totals within the batch.
7 Company Identification 45-54 10 Y alphanumeric Contains the value of the Company Identification field 5 in the Company/Batch Header record.
Interface Design Document – EFT Page 8 of 9
Field Number Field Name
Position in Record Length Data Required? Content Description/Notes
8 Message Authentication Code
55-73 19 N numeric The 8-character code from a special key used in conjunction with the DES algorithm. It is used to validate the authenticity of the ACH Entries.
9 Reserved 74-79 6 N/A blanks 10 Originating DFI
Identification 80-87 8 Y numeric Contains the value of the
Originating DFI Identification field 12 of the Company/Batch Header record.
11 Batch Number 88-94 7 Y numeric Contains the value of the Batch Number in field 13 of the Company/Batch Header Record.
Interface Design Document – EFT Page 9 of 9
Record Type 9
Position in Record Length
Data Required? Content Description/Notes
1 Record Type Code 01-01 1 Y 9 Always "9" 2 Batch Count 02-07 6 Y numeric Count of the number of batches within the file.
3 Block Count 08-13 6 Y numeric Count of the number of blocks of 10 rows within the file.
4 Entry/Addenda Count 14-21 8 Y numeric Total count of the number of entries and addenda records within the file.
5 Entry Hash 22-31 10 Y numeric The sum of the Entry Hash fields contained within the Company/Batch Control Records of the file.
6 Total Debit Entry Dollar Amount in File
32-43 12 Y $$$$$$$$$$cc Sum of the amount of debit entries contained within the file.
7 Total Credit Entry Dollar Amount in File
44-55 12 Y $$$$$$$$$$cc Sum of the amount of credit entries contained within the file.
8 Reserved 56-94 39 N/A blank
| EFT FILE FORMAT |
| EFT Output File |
| Reference: EFT File Field Definitions |
File details come from the government source that posted it. Updated .