Citizens Bank positive pay file format
Citizens Bank (fixed width, with record type)
Independent documentation. Not affiliated with or endorsed by Citizens Bank.
Skip the manual formatting: generate this file from your check register in your browser. Your check data never leaves your computer.
File layout
Fixed-width text file, .txt extension.
| Position | Field | Format |
|---|---|---|
| 1–10 | Account Number | 10 chars · zero-filled, right-justified |
| 11–20 | Check Number | 10 chars · zero-filled, right-justified |
| 21–30 | Amount | 10 chars · implied decimal (no point) · zero-filled, right-justified |
| 31–36 | Issue Date | 6 chars · MMDDYY |
| 37–38 | Record Type | 2 chars |
| 39–52 | Blank | 14 chars |
| 53–112 | Payee | 60 chars |
| 113–180 | Blank | 68 chars |
Void handling: issued checks marked "40", voided checks marked "50".
Notes: Record type: 40 = issue, 50 = void. Verify with a test upload.
Source: Reproduced from ERP vendor documentation (the bank does not publish this spec directly). Do a test upload before relying on it. Reference: ERP vendor reproduction (Citizens spec not public).
How to create a Citizens Bank positive pay file
Export your check register from QuickBooks, your ERP, or a spreadsheet, then use the free generator: upload the file, match your columns once, choose “Citizens Bank (fixed width, with record type)”, and download a file formatted exactly as above. Processing happens entirely in your browser, so account and check data never leaves your computer. Always verify your first file with a test upload in your bank portal.