Chase NACHA file requirements
Chase accepts NACHA-format ACH files through Chase for Business / Chase Connect. The bank calls the feature "ACH Payments File Upload". Here is what its published documentation requires.
Independent documentation. Not affiliated with or endorsed by Chase.
Before you upload, run the file through the free ACH file validator. It checks the structural rules and Chase's documented quirks in your browser; the file never leaves your computer.
How Chase ACH file upload works
- Unbalanced files only. Do not include offset records; Chase creates the settlement entry itself.
- Prenotes are not supported. Chase rejects prenote transaction codes.
- Supported entry classes: PPD, CCD, and WEB.
- No same-day settlement through file upload. The effective date must be after the file date.
- The immediate destination name field must read "JP Morgan Chase".
- Reversals are requested by phone within 5 business days, not by file.
- Chase publishes its own NACHA error troubleshooting page for rejected uploads.
Note: Immediate destination name must read "JP Morgan Chase".
Source: Transcribed from the bank's own published specification: Chase NACHA File Specifications PDF, chase.com (checked July 2026). Reference. Banks change their requirements; your bank agreement and portal are the authoritative reference.
What to confirm with your Chase treasury contact
Four values are assigned per customer and only the bank can tell you them: your Company ID (often not just your EIN), the exact immediate origin value they expect in the file header, whether your agreement is set up for balanced or unbalanced files, and your cutoff times and settlement option. Get them in writing before the first upload.
Building the file
Most accounting software, including QuickBooks and Sage 50, cannot export a NACHA file directly. If your system exports one and Chase still rejects it, the validator will usually name the exact line and field. If the reason will not yield, the format setup service works it out with you. This software formats and checks files only. It moves no money; funds move solely through your own bank under your agreement with them.