Quick Start Guide

J.P. Morgan ACCESS

SM
ACH Initiation Importing NACHA Files
Use this guide to gather data necessary to prepare and use NACHA fles, import into batches, and release batches. The Validator
functionality enables you to use a NACHA fle to directly create a batch in preparation for release to the bank.
Lets Get Started!
1. Preparation for NACHA Imports
User Entitlements
To import NACHA fles, the user must have entitlements for the
Validator application and Validator function. See your Security
Administrator regarding your entitlements.
ACH Company ID
Prior to creating your NACHA fle from your third party service,
you will need to be able to retrieve your Company ID.
To locate your Company ID:
1. Log in to J.P. Morgan ACCESS and click ACH Initiation.
2. Click the Setup link on the left navigation panel. The
Company List screen displays with all company accounts,
names and ACH ID numbers.
3. Record the ACH ID number for your use when you import
NACHA fles.
Note: Your Company ID must be input into your third party service
so that it automatically generates into your NACHA File. See your
third party vendor guidelines for details.
Effective Date
A NACHA fle Effective Date must be further out than todays
Business Day. Book transfers can be Same Day, and Payroll
fles are two Business Days in advance.
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2. Guidelines for NACHA Files
Review the following guidelines for NACHA fles used with
Validator and Data Import.
The ACH Validator uses only the 5, 6, 7, and 8 records in
NACHA fles. The 1 and 9 record information is derived
from default settings entered in the system.
Characters used in ACH fles are restricted to:
Numeric (0-9)
Alpha (A-Z)
Blank
Special Characters (#, -, $, ., &, *, and ,)
All alphanumeric and alphabetic felds must be left
justifed and blank-flled.
All numeric felds must be right-justifed, unsigned and
zero-flled.
The ACH ID number and Company Name in your NACHA
fle must match the ACH ID number and Company Name
that was set up for your organization.
The NACHA fle must be the standard 94 characters in
length.
Consult the ACH Rules published by the National
Automated Clearing House Association for more
information on creating NACHA fles.
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The ACH Validator function validates or verifes that a
NACHA fle is in the correct NACHA format. If the format is
correct, Validator imports the fle directly into a batch without
having to create a database.
You can then:
Generate a Batch Summary Report to check the details
(See the ACH Initiation User Guide for more information
on reports or see Section 5.)
Release the batch for processing (Section 6.)
3. ACH Validator
After import is complete and successful message, you must
click ACH Batch List to view your batch.
You can manage your available batches (Delete, Release,
Unrelease, Create a Batch Report or Create a Validator
Report) from the ACH Batch List screen.
4. Managing a Batch
To view detailed transaction information within a batch, you
can display a Batch Report.
Check the box to the left of the batch, click Batch
Report, and then click Display.
To keep a record of your transactions for audit purposes,
print your batch report when it is in Submitted status.
5. Viewing a Batch Report
After you have entered your transactions, you can release
the batches to the Bank for processing from the Batch List
screen.
Check the boxes next to those batches you want to
release.
Click Release.
When prompted, enter your password and SecurID
token code and click Submit.
While the batch is in Released status, it can be
unreleased until the next bank pick-up time.
When the Bank picks up the batch, the word Submitted
displays in the Status column. The confrm column shows
statuses of Accepted, Pending or Rejected.
Note: A successful receipt of the fle by the Bank will show a
status of Submitted in the Status column and a status of
Accepted in the Confrm column.
Pick-up times are 8:30 AM ET, 11:30 AM, 2:30 PM,
4:30 PM, 7:30 PM, 8:30 PM and 9:50 PM.
6. Releasing Batches
7. Glossary Terms
ACH ID Number (also known as ACH Company ID
or Company ID)A number that represents your
account number in various areas of the ACH service.
Your entire account number is never revealed,
although the last few digits are sometimes included
in the middle of the ACH ID to help you identify
which account it represents. You will need this
number when a 3rd party service will be generating
a NACHA fle.
BatchBundling the transactions in preparation for
release to J.P. Morgan. Transactions will never go
out unless they are in batch form and released.
Batches cannot be modifed and must be deleted if
information inside a batch is incorrect. A batch can
only be unreleased when in Released status.
Company NameThe name that has been assigned
to represent your account in various areas of the
service. This is found on the Company List which is
the default screen when you click the Setup option
on the main menu.
Company Short NameThe unique three character
name (letters, numbers, or both) that represent your
account number.
Effective DateThe date you plan to have the funds
at the Receiving Bank. ACH Initiation batches may
be assigned an effective date up to 33 calendar
days in the future. Default effect dates for batches
of transactions are the next business day except
payroll (2 Business Days) or Same Day Book
Transfer (current business day). Important: You
must be aware of your particular companys setup
in regard to the debit date for future dated ACH
transactions. To learn more, contact your companys
Security Administrator.
NACHANational Automated Clearing House
Association. Regulatory body for the ACH network.
Governing body that determines the format for
NACHA (ACH) fles, ensuring that they conform
to Federal Reserve regulations. NACHA is the
national trade association for the electronic payment
associations, which establishes the rules, industry
standards, and procedures governing the exchange
of commercial ACH payments by depository fnancial
institutions.
NACHA FormatThe ACH record format specifcations
described in the NACHA Operating Rules and
Guidelines, which are the accepted and warranted
payment format standards for payments delivered
through the ACH network.
NACHA FilesElectronic text fles formatted to
Federal Reserve regulations, containing transaction
information that can be processed through the
(National) Automated Clearing House.
ValidatorUse to import a NACHA fle you create offine
directly into a batch. Limits and settings confgured
for your User ID are applied, in addition to NACHA
validation. A pass-through for a NACHA formatted
fle to be passed through J.P. Morgan ACCESS.
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