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Positive Pay File Setup Requirements

posted Dec 20, 2012, 5:27 AM by Compensate Admin   [ updated Aug 6, 2018, 9:42 AM ]
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".
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