Zions Bank NACHA file requirements

Zions Bank accepts NACHA-format ACH files through Treasury Internet Banking (TIB). The bank calls the feature "ACH origination". Here is what its published documentation requires.

Independent documentation. Not affiliated with or endorsed by Zions Bank.

Before you upload, run the file through the free ACH file validator. It checks the structural rules and Zions Bank's documented quirks in your browser; the file never leaves your computer.

How Zions Bank ACH file upload works

The public guide covers rules and operations; field layouts follow the Nacha standard.
Debit prefunding posts to the offset account 2 banking days before the credit effective date.
Next-day cutoff is 1:00 pm Mountain Time.
Prenotes are optional but encouraged, 3 banking days before the first live entry.
Stale effective dates settle at the earliest opportunity, possibly same day with fees.

Source: Transcribed from the bank's published service guide; field layouts follow the Nacha standard: Zions ACH Origination Resource Guide (2026), zionsbank.com; operations guide without field layouts (checked July 2026). Reference. Banks change their requirements; your bank agreement and portal are the authoritative reference.

What to confirm with your Zions Bank 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 Zions Bank 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.