[CM] CM Account Information Required for EFT or ACH

Created by Crystal Millington, Modified on Mon, 29 Dec at 11:53 AM by Crystal Millington

This guide summarizes the information required for electronic funds transfers (EFT) and automated clearing house (ACH) payments in CM Accounts for both Accounts Payable and Payroll Direct Deposits. The information is used to generate a NACHA-compliant text file that can be uploaded to your bank.

Key Points:

Banks may have different file format requirements. Some require only the credit account info; others require both debit and credit accounts.
The Service Class Code determines the file type:
- 200 – Balanced file (debits and credits)
- 220 – Credits only (unbalanced file)
Vista uses:
- CCD (Cash Concentration or Disbursement) for EFTs
- PPD (Prearranged Payment and Deposit) for payroll direct deposits

Path: Cash Management > Programs > CM Accounts > EFT Information – Define each bank account and bank-specific requirements here.

Required NACHA Fields in CM Accounts

Field	Description	Location / Position
Immediate Destination	Bank routing number receiving the ACH file (9 digits). Do not enter a leading blank.	File Header, 04-13
Immediate Origin	Your company bank account or Federal Tax ID (up to 10 digits)	File Header, 14-23
Routing Transit #	Bank routing number for debit/credit transactions (required if Service Class = 200)	Entry Detail Record, 04-12
Service Class	File type: 200 = balanced, 220 = credits only	Batch Header, 02-04
Company ID #	10-digit company ID, typically account or Tax ID preceded by '1'	Batch Header, 41-50
Originating DFI	Bank routing number (first 8 digits used)	Batch Header, 80-87
Account Type	Checking or Savings	N/A
Bank Name	Bank holding the account (up to 23 characters used)	File Header, 41-63
Assign Bank Name	Sending company name as per bank records (up to 23 characters)	File Header, 64-86
Batch Header ID	ACH header identification code (up to 94 characters; optional, bank-specific)	Batch Header
Company Discretionary	Internal use; any alphanumeric value up to 20 characters	Batch Header, 21-40
Company Name	HQ Company Setup – Business Name	Batch Header, 5-20
Company Entry Description	Optional description for the batch; usually “PR EFT” for payroll or “EFT” for AP, depending on bank	Batch Header, 54-63

This information ensures that EFT and ACH files meet NACHA standards and your bank’s requirements. Always verify with your bank for any additional formatting rules or required fields.