Truist NACHA file requirements
Truist accepts NACHA-format ACH files through Truist Treasury Manager. The bank calls the feature "ACH file transmission". Here is what its published documentation requires.
Independent documentation. Not affiliated with or endorsed by Truist.
Before you upload, run the file through the free ACH file validator. It checks the structural rules and Truist's documented quirks in your browser; the file never leaves your computer.
How Truist ACH file upload works
- Truist publishes the most complete public NACHA library of any large bank: separate specs for CCD, IAT, and the RCK/POP/WEB/ARC/BOC/TEL family, plus same-day ACH rules.
- The CCD specification documents full record layouts including immediate origin and destination positions.
- Prenote transaction codes 23 and 28 are documented for checking accounts.
- Same-day ACH has its own published rules and guidelines document.
Source: Transcribed from the bank's own published specification: Truist Treasury Resource Center, NACHA CCD file specification PDF (checked July 2026). Reference. Banks change their requirements; your bank agreement and portal are the authoritative reference.
What to confirm with your Truist 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 Truist 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.