Banc of California NACHA file requirements
Banc of California accepts NACHA-format ACH files through Banc of California business banking. The bank calls the feature "ACH origination (guide UG05) with NACHA file upload". Here is what its published documentation requires.
Independent documentation. Not affiliated with or endorsed by Banc of California.
Before you upload, run the file through the free ACH file validator. It checks the structural rules and Banc of California's documented quirks in your browser; the file never leaves your computer.
How Banc of California ACH file upload works
- Publishes full field-level record layouts with mandatory/required/optional flags, including CTX and addenda.
- Immediate destination is a leading space then 122238200, name "Banc of California".
- Immediate origin is the bank-assigned 10-digit ACH Company ID. Multi-company entities use the main relationship company ID.
- Trace numbers and batch ODFI fields must start with 12223820; trace numbers ascend but need not be consecutive.
- File mechanics are strict: ANSI encoding (UTF-8 rejected), CR/LF line endings, all letters uppercase, no special characters outside addenda, complete blocks of 10 with 9-filled filler rows.
- Includes a worked TXP tax-payment addenda example for federal 941 payments.
Note: Immediate origin is the 10-digit ACH Company ID the bank assigns, not a routing number and not your raw EIN.
Source: Transcribed from the bank's own published specification: Banc of California User Guide UG32, NACHA File Format Specifications (checked July 2026). Reference. Banks change their requirements; your bank agreement and portal are the authoritative reference.
What to confirm with your Banc of California treasury contact
Four values are assigned per customer and only the bank can tell you them: your Company ID (often not just your EIN), the exact immediate origin value they expect in the file header, whether your agreement is set up for balanced or unbalanced files, and your cutoff times and settlement option. Get them in writing before the first upload.
Building the file
Most accounting software, including QuickBooks and Sage 50, cannot export a NACHA file directly. If your system exports one and Banc of California still rejects it, the validator will usually name the exact line and field. If the reason will not yield, the format setup service works it out with you. This software formats and checks files only. It moves no money; funds move solely through your own bank under your agreement with them.