EFT File Format Examples (Reference)

File Header Record

This record designates the physical file characteristics and identifies the immediate origin and destination of the entries contained with the file. In addition, this record includes date, time, and file identification fields used to uniquely identify the file.

Batch Header Record

This record identifies the originator and briefly describes the reason for the transactions. This record also identifies the settlement bank account and other transaction processing controls. The Batch Header Record indicates the effective entry date of all transactions within the batch. The information contained in the record applies uniformly to all subsequent Entry Detail Records in the batch.

Entry Detail Record

The Entry Detail Records contain the information necessary to identify the patron's bank account (i.e. financial institution, account number, patron's name, and the debit or credit amount).

Batch Control Record

Each batch control record contains the counts, hash totals, and total dollar controls for the preceding detail entries within the indicated batch.

File Control Record

This overall file control record contains the dollar, entry, and hash total accumulations for all Batch Control Records in the file. This record also contains counts of the number of records and the number of batches within the file.

CIBC EFT Format   Top

CIBC Layout - 80 character file format

Used by:

  • 010 - Canadian Imperial Bank of Commerce (CIBC)

CPA-005 Layout   Top

Canadian Payments Association CPA-005 Layout - 1464 byte file format

Used by:

  • 001 - Bank of Montreal (BMO)
  • 003 - Royal Bank of Canada (RBC)
  • 004 - Toronto-Dominion Bank (TD Canada Trust)
  • 006 - National Bank of Canada
  • 016 - HSBC Canada
  • 030 - Canadian Western Bank
  • 039 - Laurentian Bank of Canada
  • 219 - Alberta Treasury Branch (ATB)
  • 540 - Manulife Bank
  • 809 - Credit Union British Columbia
CPA-005 Layout
CPA-005 Layout

Central 1 Credit Union EFT Format   Top

Central 1 Credit Union Layout - 1464 character file format

Used by:

  • 828 - Credit Union Ontario
  • 879 - Credit Union Manitoba
  • 889 - Credit Union Saskatchewan
  • 899 - Credit Union Alberta

NACHA EFT Format   Top

National Automated Clearing House Association - NACHA Layout

This is the format for the USA Banks using the National Automated Clearing House Association (NACHA) for processing Automated Clearing House (ACH) transactions.


ScotiaBank EFT Format   Top

ScotiaBank Layout - 105 character file format

Used by:

  • 002 - Bank of Nova Scotia / ScotiaBank
ScotiaBank EFT Format
ScotiaBank EFT Format