2.3 Entry Detail Record (Type 6) & Addenda Records (Type 7)

2.3 Entry Detail Record (Type 6) & Addenda Records (Type 7)

The core payment instruction in an ACH transmission is embodied in the Entry Detail Record (Type 6). Each Type 6 record directs the transfer of funds into or out of an account at a Receiving Depository Financial Institution (RDFI), or transmits non-monetary account validation data.

When additional remittance, return, or international compliance information must accompany an entry, one or more Addenda Records (Type 7) are attached directly behind the Type 6 record.

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Field-by-Field Specification: Entry Detail Record (Type 6)

The standard Type 6 record layout applies across consumer and corporate SEC codes (such as PPD, CCD, WEB, and TEL), with specific SEC codes repurposing certain discretionary fields.

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Master Matrix of ACH Transaction Codes

Transaction Codes in Positions 02–03 dictate whether funds are credited or debited, designate the underlying account category, and identify non-monetary prenotifications.

+-----------------------------------------------------------------------------------------+
| NACHA TRANSACTION CODES                                                                 |
+---------------------+-------------------+---------------------+-------------------------+
| Account Category    | Live Credit ($)   | Live Debit ($)      | Prenote / Non-Dollar    |
+---------------------+-------------------+---------------------+-------------------------+
| Demand / Checking   | 22 (Credit)       | 27 (Debit)          | 23 (Prenote Credit)     |
|                     |                   |                     | 28 (Prenote Debit)      |
|                     |                   |                     | 24 (Zero-Dollar Remit)  |
+---------------------+-------------------+---------------------+-------------------------+
| Savings Account     | 32 (Credit)       | 37 (Debit)          | 33 (Prenote Credit)     |
|                     |                   |                     | 38 (Prenote Debit)      |
|                     |                   |                     | 34 (Zero-Dollar Remit)  |
+---------------------+-------------------+---------------------+-------------------------+
| General Ledger (GL) | 42 (Credit)       | 47 (Debit)          | 43 (Prenote Credit)     |
|                     |                   |                     | 48 (Prenote Debit)      |
|                     |                   |                     | 44 (Zero-Dollar Remit)  |
+---------------------+-------------------+---------------------+-------------------------+
| Loan Account        | 52 (Credit)       | 57 (Debit -         | 53 (Prenote Credit)     |
|                     |                   | Reversals Only)     | 58 (Prenote Debit)      |
+---------------------+-------------------+---------------------+-------------------------+

Critical Transaction Code Rules

1. Loan Accounts (Code 57): A debit transaction to a loan account (57) is strictly prohibited for regular payment origination. It is permitted solely for reversing an erroneous credit entry previously posted to the loan account.
2. Zero-Dollar Remittance (Codes 24, 34, 44): Used in CCD and CTX corporate payments to transmit ANSI ASC X12 or payment-related information via addenda records when no monetary funds transfer occurs.
3. Prenotifications (Codes 23, 28, 33, 38, 43, 48, 53, 58): Non-dollar entries used to validate account number and routing validity prior to initiating live transactions. The Amount field in Position 30–39 must be all zeros (0000000000).

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Trace Number Structure & Check Digit Modulus 10

1. Trace Number Composition (Positions 80–94)

Every Entry Detail record is assigned a globally unique 15-digit Trace Number by the ODFI: $\text{Trace Number} = \underbrace{\text{ODFI Routing Number (First 8 Digits)}}_{\text{Positions 80–87}} + \underbrace{\text{7-Digit Ascending Sequence Number}}_{\text{Positions 88–94}}$

• Example: If ODFI routing number is 121000358 and this is the 4th entry in the batch, the Trace Number is 121000350000004.
• Audit & Tracing: The Trace Number is referenced in all subsequent exception processing, including Returns (Type 7, Addenda 99), Notifications of Change (Type 7, Addenda 98), and trace inquiries.

2. Modulus 10 Check Digit Calculation (Position 12)

The 9th digit of an RDFI routing number (Position 12) validates the preceding 8 digits (Positions 04–11) using the Modulus 10 weighting algorithm (weights: 3, 7, 1, 3, 7, 1, 3, 7):

$\text{Weighted Sum } S = (d_1 \times 3) + (d_2 \times 7) + (d_3 \times 1) + (d_4 \times 3) + (d_5 \times 7) + (d_6 \times 1) + (d_7 \times 3) + (d_8 \times 7)$ $\text{Check Digit } d_9 = (10 - (S \bmod 10)) \bmod 10$

Worked Example: Check Digit Calculation

For routing number 07100001: $S = (0 \times 3) + (7 \times 7) + (1 \times 1) + (0 \times 3) + (0 \times 7) + (0 \times 1) + (0 \times 3) + (1 \times 7)$ $S = 0 + 49 + 1 + 0 + 0 + 0 + 0 + 7 = 57$ $d_9 = (10 - (57 \bmod 10)) \bmod 10 = (10 - 7) \bmod 10 = 3$ $\text{Complete 9-Digit Routing Number} = \mathbf{071000013}$

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Addenda Record Architecture (Type 7)

When Position 79 of a Type 6 record is set to 1, one or more Type 7 Addenda records immediately follow.

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Key Addenda Type Codes

1. 05 (Payment Related Information): Used with PPD, CCD, and WEB (single addenda) and CTX (up to 9,999 addenda) to convey invoice numbers, account descriptions, or ASC X12 820 payment orders.
2. 98 (Notification of Change / NOC): Generated by RDFIs using COR SEC code. Contains Change Code (C01–C13), original entry trace number, and corrected routing/account data.
3. 99 (ACH Return Record): Generated by RDFIs to return dishonored or unauthorized entries. Contains the 3-character Return Reason Code (R01–R99), Original Entry Trace Number, Date of Death (if applicable), and Original RDFI Routing Number.
4. 10 through 18 (International ACH Transactions / IAT): Mandatory sequence of 7 addenda records conveying foreign exchange data, Originator address, Beneficiary address, and correspondent bank identifiers for OFAC screening.