Positive Pay File Setup Requirements

Post date: Dec 20, 2012 1:27:5 PM

Each bank has their own file formatting requirements for their ACH / Positive Pay files.  

Below are some of the setup requirements by bank.

All of these settings are entered into the Risk Information --> Checking Account screen for the specific risk.

5th 3rd Bank

• • The file name for the positive pay file must be placed in the LOGDX field.

  • The three digit bank number must be placed in the ARPID field - this will be specified by 5th 3rd - value might be 052

Bank One

• • Login Header string supplied by the bank must be placed in the LOGDX field

  • ARPID will be supplied by the bank and is also included as part of the file name. 

Bank of America / Bank of America - PAYEE

• • No Special Settings

First Midwest Bank

• • The file name for the positive pay file must be placed in the LOGDX field.

  • The three digit bank number must be placed in the ARPID field - this will be specified by the bank - value might be 642

First National Bank

• • ARPID needs a 3 character value that will be supplied by the bank and will be included in the file name

Huntington Bank

• • Huntington requires a specific file name for the files to be uploaded.  The file name must be entered in the LOGDX field.

JP Morgan Chase

• ARPID will be supplied by the bank and is also included as part of the file name. 

  • Chase is requiring signed and encrypted files.  Compensate generates the text file required for Chase but can not sign the file because the file must be singed with a PGP key that is generated for the exclusive use of the client that owns the checking account. Users will have to download and install GPG4win (http://www.gpg4win.org) to sign and encrypt the file as required by Chase. 

  • Chase has 2 file formats - Direct and Web to get the Web format set the ARPTYPE to WEB. If ARPTYPE is empty the direct file format will be generated.

Key Bank

• • No additional information is needed from the bank.  The file is complete as generated.

National City

• • ARPID (8 characters) and ARPTYPE (5 characters) values will be supplied by the bank

  • ARPTYPE value of ARPDB will generate a file with a column with of 200 characters otherwise it generates a file with a record length of 80.

PNC Bank - Pinacle

• • PNC requires a specific file name for the files to be uploaded.  The file name must be entered in the LOGDX field.

PNC Bank

• • PNC requires a specific file name for the files to be uploaded.  The file name must be entered in the LOGDX field.

Single Point - USB

• • No special configuration

US Bank

• • No special configuration

Wells Fargo

• • There are 3 file formats for Wells Fargo 

    • Old file format requires a Login Header string supplied by the bank must be placed in the LOGDX field

    • National file format requires the string "NATIONAL" in the LOGDX field

    • The new file format requires the LOGDX field to be blank and the 5 digit bank number to be placed in the ARPTYPE field.

  • If there are values in the ARPTYPE and LOGDX fields the old file format will be generated

  • ARPID will be supplied by the bank and is also included as part of the file name. 

WesBanco

• • WesBanco requires a specific file name for the files to be uploaded.  The file name must be entered in the LOGDX field as "check_file".