Create a NACHA file your bank accepts
Payroll direct deposit or vendor payments, from a CSV export or a typed-in list, in the standard NACHA format banks require for ACH file upload. QuickBooks and Sage cannot export this file. This tool builds it and checks it before you download.
Your payment data never leaves your computer. The file is built and validated entirely in your browser, never uploaded to or stored on our servers. This software formats files only. It moves no money; funds move solely through your own bank under your agreement with them.
- No signup required
- Follows the official Nacha layout, sources cited
- Validates before you download
- Bank test files with prenotes
- Free while in beta
1 File settings
The values in this step come from your bank's ACH setup sheet. If you do not have them, ask your treasury contact; the format guide explains each one.
Settings are saved in your browser so next week is two clicks. Recipient details are not saved.
2 Recipients
Drop a CSV here or click to choose
Columns we look for: name, routing number, account number, amount, and optionally checking/savings.
Or type them in below. Add a row.
| Name | Routing | Account | Type | Amount ($) |
|---|
3 Generate and check
Verify your first file with a test upload in your bank portal before a live run. You can re-check any file in the validator.
How to create an ACH file for payroll direct deposit
Export your payroll list as CSV with a name, routing number, account number, and amount per row, drop it above, set the statement description to PAYROLL, and pick an effective date at least one banking day out. Nacha rules since March 2026 require wage payments to use the description PAYROLL, and the tool defaults to it for PPD credits. Your bank enables ACH origination on the account first; the format guide lists what to ask them.
My bank is asking for a test file
Use the test file button. It produces the same file with prenote transaction codes and zero amounts, which is what most banks mean by a test or prenote file. Some banks discard test entries instead; either kind proves your formatting.
Converting Excel or CSV to NACHA format
Keep one row per payment. Column names do not need to be exact; the tool matches common headings (payee, ABA, acct, amount) and you can correct anything inline. Amounts can include dollar signs and commas. Everything is validated against the official Nacha layout before download, including routing check digits, batch totals, and the entry hash.