ACH Upload
Upload a NACHA file
Below are key formatting requirements and submission guidelines for uploading ACH files. ACH Upload must be enabled for your Business. Please contact your Relationship Manager to learn more.
Please coordinate with the bank to confirm your Company ID aligns with what the bank has set on your profile.
Standard processing cut-off is 4:30 pm ET. Extended cut-off times may be available upon request.
Credit (payment) files must be unbalanced (only include the outgoing credit entries).
Debit files must be balanced (include both the outgoing debit and the corresponding internal offset/credit entry).
Before submitting your first file, please provide it to a Treasury Management Officer for review. This allows us to confirm all required fields are completed correctly and helps prevent processing delays.
Go to the next page to see how to format an ACH upload file.
Field Name
Field Location
Max Character Length
Field Values
Immediate Destination
File Header
10
021213944 (must include leading zero)
Immediate Origin
Immediate DestinationName
23
ConnectOne Bank
Immediate Origin Name
Your Company Name
Reference Code
8
Leave Blank (optional)
Company Name
BatchHeader
16
Your company Name
Company Identification
Unique 10 digit originating IDDebit: 1+Tax ID No.Credit: Refer to Schedule E/ Authorized Account field of your ACH Origination Agreement and confirm with a Treasury Management Officer.
Originating DFI ID
02121394