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This page is currently being edited by {{ model.editingBy }}.SmartFusion Modules > Utility Billing > Parameters > Utility Billing System Settings > Bank Draft Settings
Recent Change:
6.200 - Changed the logic to enable a user to save the bank account routing and bank account numbers without having to have the Credit record checkbox checked.
6.06 - Increased file header line to 94 characters to meet NACHA standards.Introduction
This configuration screen is used to set up the municipality and bank information for bank drafts.
Explanation
Customers can automatically pay their bills by setting up a bank draft. The bank draft file is created during bill wizard after printing bills. Once the file is created by the municipality, the file will be sent to configured bank and ACH transactions take place based on the contents of the file. A number of customers can be included in the file. The file is based on customer billing bank draft information, municipality information set in the system file, and follows NACHA guidelines.
Federal Tax Id - Part of the batch header record and batch control record. This is the company identification number.
Discretionary - Part of the batch header record. This is the company discretionary data for the municipality's internal use.
Service Class Code - Service class code.
Entry Description - Part of the batch header record. This is the company entry description.
Checking Prenote Code - Checking prenote code.
Savings Prenote Code - Saving prenote code.
Debit Code - Debit code.
Savings Code - Savings code.
Credit Code - Credit code.
Originating Financial Institution & Name - Originating financial institution name and code. Utilized throughout the bank draft file.
Immediate Destination & Name - Immediate destination name and code. Utilized throughout the bank draft file.
Bank Routing Number - The financial institution's bank routing number.
Bank Account Number - The financial institution's bank account number.
Drive - The hard drive letter of where the bank draft file path is defaulted to.
Directory - The directory of where the bank draft file path goes.
Filename - The filename of the bank draft file.
Bank Draft Payment Code - The payment transaction code that is used to pay charges during the bank draft process.
Bank Draft Message - A short message to the bank draft customer utilized when processing bank drafts.
Carriage Return - Carriage return.
Pad Nines - Pads the remaining lines of the file with 9's so number of lines in the file always ends on a zero digit. E.G. It takes 14 lines to create the file, pad nines checked will write 6 more lines filled with 9s so the file has 20 lines in total.
Header Record - Includes the header record. This line starts with a 1 and appears at the very top.
Draft Credits - Drafts credits.
Credit Record - Includes trailing credit record.
File Id Modifier - File Id modifier.
Tax Id Modifier - Tax Id modifier.
Organization - The municipal organization name.
Combine Bank Draft - Records are combined when a customer uses the same bank account for multiple locations.
Draft Day Settings
Day - The day of the month utilized for bank drafts.
Add - Add another day to select from when processing bank drafts.
Remove - Remove a day from the list of days to chose from.
Assign - This will assign the highlighted bank draft to ALL bank draft customers. Only valid when there are no unposted bank drafts in a bill run.
Days Selected - This is the list of days in which a user can process bank drafts during bill run.
File Layout
The file created during bank drafts follows NACHA guidelines. Listed below are the NACHA records, field names, and comments on how this is handled in our system.
Note: AP and AR have some differences to these settings. AP has it's own set of settings. The way the files are created in those processes have some differences. This specification should only be referenced by UB bank drafts.
1 Record - File Header Record - Only written if header record setting is checked.
| # | Field Name | Length | Positions | Comments |
|---|---|---|---|---|
| 1 | Record Type Code | 1 | 01-01 | Always 1 |
| 2 | Priority Code | 2 | 02-03 | Always 01 |
| 3 | Immediate Destination | 10 | 04-13 | Space followed by maximum of nine digit immediate destination |
| 4 | Immediate Origin | 10 | 14-23 | Originating financial institution. |
| 5 | File Creation Date | 6 | 24-29 | Creation date is the date set after creating the bank draft. Date is in YYMMDD format. |
| 6 | File Creation Time | 6 | 30-33 | Creation time is today's time after creating the bank draft. Time is in HHMM format. |
| 7 | File Id Modifier | 1 | 34-34 | File Id Modifier. |
| 8 | Record Size | 3 | 35-37 | Always 094 |
| 9 | Blocking Factor | 2 | 38-39 | Always 10 |
| 10 | Format Code | 1 | 40-40 | Always 1 |
| 11 | Immediate Destination Name | 23 | 41-63 | Immediate destination name. |
| 12 | Immediate Origin Name | 23 | 64-86 | Originating financial institution name. |
| 13 | Reference Code | 8 | 87-94 | Not used, padded with spaces. |
5 Record - Batch Header Record - Only written if header record setting is checked.
| # | Field Name | Length | Positions | Comments |
|---|---|---|---|---|
| 1 | Record Type Code | 1 | 01-01 | Always 5. |
| 2 | Service Class Code | 3 | 02-04 | Service class code. |
| 3 | Company Name | 16 | 05-20 | The organization name set in bank draft settings otherwise this is the organization name in main system file. |
| 4 | Discretionary Data | 20 | 21-40 | Discretionary. |
| 5 | Company Identification | 10 | 41-50 | Tax Id Modifier followed by Federal Tax Number. If Tax Id Modifier is blank, a blank space is. |
| 6 | Standard Entry Class | 3 | 51-53 | Always PPD. |
| 7 | Company Entry Description | 10 | 54-63 | Entry description. |
| 8 | Company Descriptive Date | 6 | 64-69 | Bank draft creation date. Date is in MMddyy format. |
| 9 | Effective Entry Date | 6 | 70-75 | Bank draft creation date. Date is in YYMMDD format. |
| 10 | Settlement Date | 3 | 76-78 | Always 3 blank spaces. |
| 11 | Originator Status Code | 1 | 79-79 | Always 1. |
| 12 | Originating DFI Identification | 8 | 80-87 | Originating financial institution. |
| 13 | Batch Number | 7 | 88-94 | Always 0000001. |
6 Record - PPD / CCD Detail Record
| # | Field Name | Length | Positions | Comments |
|---|---|---|---|---|
| 1 | Record Type Code | 1 | 01-01 | Always 6. |
| 2 | Transaction Code | 3 | 02-04 | Code is based on whether the bank draft account is checking or savings and if the bank draft amount is positive (debit) or negative (credit). If it is a savings account, it will always use the savings code regardless of credit or debit amounts. If the account holder status is prenotification, it will use the either the checking prenotification code or savings prenotification code. This is all defined in bank draft settings. |
| 3 | Receiving DFI Identification | 8 | 04-11 | The routing number defined in bank draft billing options for a customer's account. |
| 4 | Check Digit | 1 | 12-12 | For 8 digit routing numbers, repeat the 8th digit here. For 9 digit routing numbers, this becomes the ninth digit since the receiving DFI Id is limited to 8 digits. |
| 5 | DFI Account Number | 17 | 13-29 | Customer bank draft bank account number. Left justified. |
| 6 | Amount | 10 | 30-39 | Bank draft amount. |
| 7 | Individual Identification Number | 15 | 40-54 | Customer account number makes up first 11 characters. Last four characters are filled with spaces. |
| 8 | Individual Name | 22 | 55-76 | Bank draft customer name. |
| 9 | Discretionary Data | 2 | 77-78 | Not used. Filled with spaces. |
| 10 | Addenda Record Indicator | 1 | 79-79 | Always 0. |
| 11 | Trace Number | 15 | 80-94 | First part is originating financial institution. (8 characters) Also includes the detail record count number, which is right justified padded with zeros. (7 characters) |
6A Record - CTX Detail Record - Only written if credit record option is checked.
| # | Field Name | Length | Positions | Comments |
|---|---|---|---|---|
| 1 | Record Type Code | 1 | 01-01 | Always 6. |
| 2 | Transaction Code | 2 | 02-03 | Always checking credit code. |
| 3 | Receiving DFI Identification | 8 | 04-11 | Originating financial institution routing number. |
| 4 | Check Digit | 1 | 12-12 | For 8 digit routing numbers, repeat the 8th digit here. For 9 digit routing numbers, this becomes the ninth digit since the receiving DFI Id is limited to 8 digits. |
| 5 | DFI Account Number | 17 | 13-29 | Bank account number defined in bank draft settings. |
| 6 | Amount | 10 | 30-39 | Total bank draft debit amount. |
| 7 | Identification Number | 15 | 40-54 | Not used, filled with spaces. |
| 8 | Number of Addenda Records | 6 | 55-58 | Not used, extra space for next field. |
| 9 | Receiving Company Name / Id Number | 16 | 59-74 | The organization name set in bank draft settings otherwise this is the organization name in main system file. |
| 10 | Reserved | 2 | 75-76 | Not used, extra space for prior field. |
| 11 | Discretionary Data | 2 | 77-78 | Not used, filled with spaces. |
| 12 | Addenda Record Indicator | 1 | 79-79 | Always 0. |
| 13 | Trace Number | 15 | 80-94 | First part is originating financial institution. (8 characters) Also includes the detail record count number, which is right justified padded with zeros. (7 characters) |
8 Record - Batch Control Record
| # | Field Name | Length | Positions | Comments |
|---|---|---|---|---|
| 1 | Record Type Code | 1 | 01-01 | Always 8. |
| 2 | Service Class Code | 3 | 02-04 | Service class code. |
| 3 | Entry / Addenda Count | 6 | 05-10 | The sum of 6+6A records written. Number is right justified padded with zeros. |
| 4 | Entry Hash | 10 | 11-20 | This is the sum based on all 6 record data positions 4-11. Then, the 10 left most digits make up this hash code. |
| 5 | Total Debit Entry Dollar Amount | 12 | 21-32 | Total debit value of all 6 record data. Zero filled if none. |
| 6 | Total Credit Entry Dollar Amount | 12 | 33-44 | Total credit value of all 6 record data. Zero filled if none. |
| 7 | Company Identification | 10 | 45-54 | Tax Id Modifier followed by Federal Tax Number. If Tax Id Modifier is blank, a blank space is. |
| 8 | Message Authentication Code | 19 | 55-73 | Not used. Filled with spaces. |
| 9 | Reserved | 6 | 74-79 | Not used. Filled with spaces. |
| 10 | Originating DFI Identification | 8 | 80-87 | Originating financial institution. |
| 11 | Batch Number | 7 | 88-94 | Always 0000001. |
9 Record - File Control Record
| # | Field Name | Length | Positions | Comments |
|---|---|---|---|---|
| 1 | Record Type Code | 1 | 01-01 | Always 9. |
| 2 | Batch Count | 6 | 02-07 | Always 000001. |
| 3 | Block Count | 6 | 08-13 | Total number of records in the file thus far divided by 10. If divided by 10 has a remainder, add 1, do not include decimal. Number is right justified padded with zeros. |
| 4 | Entry / Addenda Count | 8 | 14-21 | The sum of 6+6A records written. Number is right justified padded with zeros. |
| 5 | Entry Hash | 10 | 22-31 | This is the sum based on all 6 record data positions 4-11. Then, the 10 left most digits make up this hash code. |
| 6 | Total Debit Entry Dollar Amount | 12 | 32-43 | Total debit value of all 6 record data. Zero filled if none. |
| 7 | Total Credit Entry Dollar Amount | 12 | 44-55 | Total credit value of all 6 record data. Zero filled if none. |
| 8 | Reserved | 39 | 56-94 | Not used, padded with spaces. |