Regions NACHA file requirements
Regions accepts NACHA-format ACH files through Regions iTreasury. The bank calls the feature "NACHA import (Payments, Payment Management)". Here is what its published documentation requires.
Independent documentation. Not affiliated with or endorsed by Regions.
Before you upload, run the file through the free ACH file validator. It checks the structural rules and Regions's documented quirks in your browser; the file never leaves your computer.
How Regions ACH file upload works
- Files are standard NACHA: 94-character fixed ASCII records, blocking factor 10.
- Immediate destination is a space followed by routing number 062000019.
- Immediate origin is your Federal ID with a leading character assigned by the bank.
- Regions asks for files 2 banking days before the effective date.
- Same-day ACH requires a separate Same Day ACH Company ID.
Note: Immediate origin is the company Federal ID with a bank-assigned leading character; confirm yours with Regions.
Source: Transcribed from the bank's own published specification: Regions NACHA File Layout Guide PDF, publicly hosted on regions.com (checked July 2026). Reference. Banks change their requirements; your bank agreement and portal are the authoritative reference.
What to confirm with your Regions 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 Regions 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.