I don't know which Topic Area to ask this in, but since this is where the data experts live, I'll ask here. :)
We are trying to find the dataspec / file format that banks and other financial institutions (such as Electronic Funds Transfer services) use to move money around. In other words, we need the ACH data spec.
I have "Googled" until my eyes fell out and all I can find are services and applications that have the ability to export to the ACH file format. Of course, that is not what we want... we want the file format so that we can generate our own files and upload them to a bank.
Has anyone seen the file format / data spec for ACH files and if so, can you point me to it? I have checked the American Banker's Association (www.aba.com
) but they are not much help if you are not a member. We are not a bank... we are developers looking to generate a file and upload it to a bank.