Hancock Whitney NACHA file requirements
Hancock Whitney accepts NACHA-format ACH files through Hancock Whitney treasury services. The bank calls the feature "ACH input file upload". Here is what its published documentation requires.
Independent documentation. Not affiliated with or endorsed by Hancock Whitney.
Before you upload, run the file through the free ACH file validator. It checks the structural rules and Hancock Whitney's documented quirks in your browser; the file never leaves your computer.
How Hancock Whitney ACH file upload works
- Publishes full field-level record layouts: file header through file control, including CCD, CTX, and addenda records.
- Immediate destination AND immediate origin are both the bank routing number 065503681 with a leading space. Your EIN does not appear in the file header.
- The immediate destination name reads "Hancock Bank or Whitney Bank"; the ODFI identification is 06550368.
- Allowed characters are restricted to alphanumerics plus ^ ! _ @ # $ % & , * : . / + - and nothing else.
- Prenote codes 23/28/33/38 (zero amount) and zero-dollar remittance codes 24/29/34/39 are documented.
- The spec covers format only: cutoffs and balanced-vs-unbalanced policy come from your account agreement.
Note: Immediate origin is the bank routing number 065503681, not your EIN. The batch-header company ID is a bank-assigned 10-digit number.
Source: Transcribed from the bank's own published specification: Hancock Whitney NACHA Format / ACH Input File Structure PDF, Treasury Services Resource Library (checked July 2026). Reference. Banks change their requirements; your bank agreement and portal are the authoritative reference.
What to confirm with your Hancock Whitney 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 Hancock Whitney 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.