<ACHCOMPANY> - Sub element of <NLS>

NLS 5.35

Attribute	Type	Size	REQ	Default	Comments
`Operation`	String		Yes		Valid values: `ADD` `UPDATE` `DELETE`
`AutomatedPaymentCompanyID`	Numeric	9			Required if `Operation` is `UPDATE` or `DELETE`.
`AutomatedPaymentCompanyName`	String	255			Required when `Operation` is `ADD` (cannot be empty).
`CompanyName`	String	16			Required when `Operation` is `ADD` (cannot be empty).
`CompanyDiscretionaryData`	String	20	No
`CompanyIdentification`	String	10	No
`CompanyEntryDescription`	String	10			Required when `Operation` is `ADD` (cannot be empty).
`OriginatingDFIIdent`	String	8			Required when `Operation` is `ADD` (cannot be empty).
`STDEntryClassCode`	String	3	No	PPD	Valid values: `AUT` `CCD` `POP` `POS` `PPD` `RCK` `TEL` `WEB` Attribute cannot be empty.
`DiscretionaryData`	String	2	No
`IndividualIdentNumber`	Numeric	1	No	1	Valid values: `0` = Loan Number `1` = Account Reference Number `2` = Contact Number
`IndividualNameField`	Numeric	1	No	0	Valid values: `0` = Loan Name `1` = Loan Shortname `2` = Contact Last Name `3` = Contact First Name + Last Name
`AddendaPaymentRelatedInfo`	String	80	No
`EnableOffset`	Numeric	1	No	0	`0` = False `1` = True
`OffsetAccountType`	Numeric	1	No	0	`0` = Checking `1` = Savings
`OffsetABANumber`	String	9	No		Required when `EnableOffset`="`1`". Follows ABA number rules, not all values will be accepted.
`OffsetAccountNumber`	String	17	No		Required `EnableOffset`="`1`".
`ACHReturnCodes`	String	82	No	[R01, R02, R08]	Must be exactly 82 characters containing only 0s and 1s representing whether to enable each of the valid 82 return codes. The default of R01, R02, and R08 is represented as: `1100000100000000000000000000000000000000000000000000000000000000000000000000000000` The position of each code from left to right are: R01 – Insufficient Funds R02 – Account Closed R03 – No Account/Unable to Locate Account R04 – Invalid Account # R05 – Unauthorized Corporate Debit to Consumer Account R06 – Returned per ODFI Request R07 – Authorization Revoked By Customer R08 – Payment Stopped R09 – Uncollected Funds R10 – Customer Advises Not Authorized R11 – Customer Advises Entry Not in Accordance with the Terms of the Authorization R12 – Account Sold to Another DFI R13 – Invalid ACH routing number R14 – Rep. Payee Deceased/Incapacitated R15 – Beneficiary or Account Holder Deceased R16 – Account Frozen R17 – File Record Edit Criteria (Specify) R18 – Improper effective entry date R19 – Amount field error R20 – Non – Transaction Account R21 – Invalid Company Identification R22 – Invalid Individual ID Number R23 – Credit Entry Refused by Receiver R24 – Duplicate Entry R25 – Addenda error R26 – Mandatory field error R27 – Trace number error R28 – Routing number or check digit error R29 – Corporate Customer Advises Not Authorized R30 – RDFI not participant in check truncation program R31 – Permissible Return Entry (CCD, CTX) R32 – RDFI nonsettlement R33 – Return of XCK Entry R34 – Limited participation DFI R35 – Return of improper debit entry R36 – Return of improper credit entry R37 – Source Document Presented for Payment (ARC, POP, BOC) R38 – Stop Payment on Source Document (ARC, BOC) R39 – Improper Source Document (ARC, POP, BOC) R40 – Return of ENR entry by federal government agency (ENR only) R41 – Invalid transaction code (ENR only) R42 – Routing number or check digit error (ENR only) R43 – Invalid DFI account number (ENR only) R44 – Invalid individual ID number (ENR only) R45 – Invalid individual name/company name (ENR only) R46 – Invalid representative payee indicator (ENR only) R47 – Duplicate enrollment R48 – Reserved R49 – Reserved R50 – State Law Affecting RCK Acceptance R51 – Item Ineligible, Notice not provided (RCK) R52 – Stop Payment on Item (RCK) R53 – Item and ACH Entry Presented for Payment (RCK) R54 – Reserved R55 – Reserved R56 – Reserved R57 – Reserved R58 – Reserved R59 – Reserved R60 – Reserved R61 – Misrouted return R62 – Incorrect trace number R63 – Incorrect dollar amount R64 – Incorrect individual identification R65 – Incorrect transaction code R66 – Incorrect company identification R67 – Duplicate return R68 – Untimely return R69 – Multiple errors R70 – Permissible return entry not accepted R71 – Misrouted dishonored return R72 – Untimely dishonored return R73 – Timely original return R74 – Corrected return R75 – Original Return not a Duplicate R76 – No Errors Found R77 – Reserved R78 – Reserved R79 – Reserved R80 – Cross-border payment coding error R81 – Nonparticipant in cross-border program R82 – Invalid foreign receiving DFI identification
`OptionFlags`	Numeric	9	No	20	Valid values: `1` = Allow Credits Only `2` = Allow Debits and Credits `4` = Allow Debits Only `8` = Continue drafts after Payoff `16` = Continue drafts after Maturity `32` = Do not adjust draft down to loan balance on payoff `64` = Draft scheduled payments (including impound) only `128` = Do not resubmit if resubmit is greater than payoff `256` = Do not resubmit if customer revoked ACH/AFT `512` = Suspend resubmit if a resubmit was returned `1024` = Do not resubmit if active PTP exists `2048` = Do not charge NSF fee when resubmit returns `4096` = Do not resubmit conflict w/ scheduled ACT/AFT `8192` = Do not resubmit if payment received before ACH return `16384` = Suspend ACH on n consecutive returns (1-5) `32768` = Use only Primary Employer for Next Pay Date for resubmit `65536` = Allow same-day processing5.42- `65536` = Apply One-Time ACH as payment5.43+ `262144` = Do not allow same-day One-Time ACH5.43+
`ACHReturnLimit`	Numeric	1	No	0	Range of [0-5]. Only valid if the “Suspend ACH on [`ACHReturnLimit`] consecutive returns” option (`OptionFlags`="`16384`") is enabled.
`ACHCutoffTime`5.43+	Numeric	4	No	0	24-hour time formatted as HHMM, no leading 0’s.
`BankCutoffTime`5.43+	Numeric	4	No	0	24-hour time formatted as HHMM, no leading 0’s.