Nicolet National Bank NACHA file requirements
Nicolet National Bank accepts NACHA-format ACH files through Nicolet treasury management. The bank calls the feature "ACH file origination". Here is what its published documentation requires.
Independent documentation. Not affiliated with or endorsed by Nicolet National Bank.
Before you upload, run the file through the free ACH file validator. It checks the structural rules and Nicolet National Bank's documented quirks in your browser; the file never leaves your computer.
How Nicolet National Bank ACH file upload works
- Publishes field-level layouts with mandatory/required/optional flags and a record-sequence diagram.
- Immediate destination is a space then 075917937, name "Nicolet National Bank"; ODFI identification 07591793.
- Immediate origin and company ID are the FEIN with a leading blank, or a leading 1 where a blank is not allowed. Either prefix is accepted.
- The spec marks the batch-control entry hash optional, which is unusual; compute it anyway.
- The bank warns against putting private data such as an SSN in the individual identification field.
Note: Nicolet accepts the FEIN with either a leading blank or a leading 1 in the immediate origin; most banks mandate one.
Source: Transcribed from the bank's own published specification: Nicolet National Bank NACHA ACH File Format Specifications (checked July 2026). Reference. Banks change their requirements; your bank agreement and portal are the authoritative reference.
What to confirm with your Nicolet National Bank 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 Nicolet National Bank 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.