Capital One positive pay file format
Capital One Intellix (fixed width)
Independent documentation. Not affiliated with or endorsed by Capital One.
Skip the manual formatting: generate this file from your check register in your browser. Your check data never leaves your computer.
File layout
Fixed-width text file, .txt extension.
| Position | Field | Format |
|---|---|---|
| 1–8 | Bank Code | 8 chars |
| 9–17 | ABA | 9 chars |
| 18–51 | Account Number | 34 chars |
| 52–52 | Issue/Void Indicator | 1 char |
| 53–63 | Check Amount | 11 chars · implied decimal (no point) · zero-filled, right-justified |
| 64–71 | Issue/Void Date | 8 chars · MMDDYYYY |
| 72–81 | Check Number | 10 chars · zero-filled, right-justified |
| 82–161 | Issue Payee Name | 80 chars |
Void handling: issued checks marked "I", voided checks marked "V".
Notes: Positions: Bank Code 1-8, ABA 9-17, Account 18-51, Indicator 52, Amount 53-63, Date 64-71, Check # 72-81, Payee 82-161.
Source: Transcribed from the bank’s own published specification (checked July 2026). Reference: Capital One's Check Services Reference Guide.
How to create a Capital One positive pay file
Export your check register from QuickBooks, your ERP, or a spreadsheet, then use the free generator: upload the file, match your columns once, choose “Capital One Intellix (fixed width)”, and download a file formatted exactly as above. Processing happens entirely in your browser, so account and check data never leaves your computer. Always verify your first file with a test upload in your bank portal.