ACH Files Sometimes Need Filler Records for a Reason
ACH files are validated line by line, and some banks still enforce block-count rules that require filler records at the end of a file. When the total block count ends evenly, those banks may require ten filler records so the file meets their formatting standards.
In MIP®, this detail matters because a technically correct payment file can still be rejected if it does not match the bank’s exact expectations. The issue usually does not show up until transmission, when timing is already tight. Including filler records when required prevents that last-minute failure and keeps settlement on schedule.
The key point is that this requirement is bank-specific. Some banks expect filler records. Others do not. Checking the bank’s ACH guidelines before configuring the file avoids guesswork and keeps the process predictable.
This video is for accounting teams managing EFT or ACH processing who want files to transmit cleanly the first time. It is not intended for organizations that rely on trial and error to discover bank formatting rules.
McGovern Consulting Group provides MIP Accounting® Training and Implementation Services. We focus on bank-facing details like this because small file-format rules often determine whether payments move or stall.
If you want your ACH files built to your bank’s exact requirements, schedule time with us to review your EFT setup.
https://mcgoverncg.com/schedule/
If you want to strengthen your MIP fundamentals first, free MIP® fund accounting training is available here.
https://www.freemipfundaccountingtraining.com/
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