Convert a NACHA file to Excel
Turn an ACH file into a spreadsheet with one row per payment. Upload a .ach or .txt file, check the entries on screen, and download Excel or CSV. The file never leaves your browser.
What ends up in each column
A NACHA file is a stack of fixed-width records: a file header, a batch header per company and entry class, an entry detail record per payment, optional addenda, then control totals. The converter keeps the payments and flattens each one together with the batch it belongs to: recipient name, routing number (all nine digits), account number, checking or savings, amount in dollars, recipient ID, addenda text, transaction code and what it means, SEC code, company name, entry description, effective date, batch number and trace number.
The ACH file format guide shows where each of those fields sits in the 94-character record, and the transaction code list explains codes like 22, 27, 32 and 37.
Checking a file before it goes to the bank
A spreadsheet is the easiest way to eyeball names and amounts, but it will not tell you whether the file itself is well formed. For record lengths, control totals, entry hash and block padding, run it through the ACH file validator. To build the next file from a spreadsheet, use Excel to ACH or CSV to ACH.
Questions
How do I open a NACHA file in Excel?
Excel opens a NACHA file as one long text column, because every record is a fixed-width 94-character line. Upload the file here instead: each entry detail record becomes a row with the recipient name, routing number, account number, amount, transaction code and batch details in their own columns, and you download it as .xlsx or .csv.
Is the ACH file uploaded to a server?
No. The file is read by JavaScript in your browser tab and the spreadsheet is built there too. Nothing about the payments is sent anywhere.
Why do routing and account numbers keep their leading zeros?
The .xlsx download stores them as text cells, so Excel does not turn 011000015 into 11000015. A CSV opened by double-click in Excel can still lose them; import it with those columns set to Text, or use the .xlsx.
Does it read debits, prenotes and addenda?
Yes. Every entry detail record is listed whatever its transaction code (credits, debits, prenotes, zero-dollar entries), the code is explained in its own column, and addenda text is attached to the entry it follows.
Can I edit the spreadsheet and make a new ACH file from it?
The first seven columns use the same headers as this site's import template, so an edited copy can go straight into the Excel to ACH generator for the next run.