<ACH> - Sub Element of <LOAN>

Attribute	Type	Size	REQ	Default	Comments
`Operation`	String		No		Valid values are `ADD`, `UPDATE`, and `DELETE`. This tag is only required if executing an add, update, or delete operation. NLS 5.8.x only: This attribute is required. For other versions, this attribute is not required.
`ACHCompanyID` `ACHCompanyName`	Numeric String	9	Yes*		ACH company code. ACH company name. * Do not use if AFT Company has been configured.
`AutomatedPaymentCompanyID`5.6+	Numeric	9	Yes*		Automated payment company code. Use for ACH and AFT if AFT Company has been configured. `{USE MACRO}` = use XML macro as configured for ACH/AFT Company.5.7.7 / 5.8+ * Do not use concurrently with `ACHCompanyID`.
`Status`	Numeric	9	No	0	`0` = Active `1` = Disabled `2` = Expired
`ABANumber`	String	9	Yes*		When updating an ACH, `RowID` or `ABANumber` or `AccountNumber` is required. * Do not use concurrently with `RowID`.
`RowID`	Numeric	9	Yes*		When updating an ACH, `RowID` or `ABANumber` or `AccountNumber` is required. * Do not use concurrently with `ABANumber` or `AccountNumber`.
`AccountNumber`	String	≤17	Yes*		When updating an ACH, `RowID` or `ABANumber` or `AccountNumber` is required. ACH must be ≤17 characters. AFT must be ≤12 characters. * Do not use concurrently with `RowID`.
`CheckNumber`	String	≤10	No
`AccountType`	Numeric	9	No	0	`0` = Checking `1` = Savings
`AmountType`	Numeric	9			`0` = Fixed Amount `1` = Percentage of Principal `2` = Amount of Billing (Applicable only if `BillingType` = `0`)
`Amount`	Numeric	16,2	Yes		Applicable only if `AmountType` = `0`
`Percentage`	Numeric	8,5			Applicable only if `AmountType` = `1`
`MinimumAmount`	Numeric	6,2			`0` = No minimum Applicable only if `AmountType` = `1`
`MaximumAmount`	Numeric	6,2			`0` = No maximum Applicable only if `AmountType` = `1`
`MaximumAmountOfDraws`	Numeric	16,2			`0` = No limit
`DebitOrCredit`	String	1		D	`D` = Debit, Draw money from the bank `C` = Credit , Remit money to the bank
`BillingType`	Numeric	1			`0` = Billing `1` = One Time `2` = Recurring
`BillingPeriod`	String	2			This field is only applicable if `BillingType` = `2` `DA` = Days `WE` = Weekly `BW` = Bi-Weekly `SM` = Semi-Monthly `S4` = Semi-Monthly (14-day) `28` = 28 Day `MO` = Monthly `BM` = Bi-Monthly `QU` = Quarterly `SA` = Semi-Annually `AN` = Annual `MA` = Maturity
`BillingStartDate`	Date				MM/dd/yyyy or as configured by the DATEFMT user defined parameter. Should be ≥ origination date of the loan.
`BillingStartDateDayValue`	Numeric			Day value of `BillingStartDate`	This field is only applicable if `BillingType` = `2` Valid value: `1` to `31`
`BillingNextDate`	Date				MM/dd/yyyy or as configured by the DATEFMT user defined parameter.
`BillingExpireDate`	Date		No		MM/dd/yyyy or as configured by the DATEFMT user defined parameter. This attribute is only available during `UPDATE` operations.
`BillingGracePeriod`	Numeric	≥0
`BillingOneTimeGracePeriod`5.20+	Numeric	≥0			Only applied to the next ACH draw before being deleted or reset to 0.
`BillingMaxNumberOfDraw`	Numeric	9			`0` = Unlimited
`AdvanceTransactionCode`	Numeric	9			This is the transaction code used to advance monies when the ACH executes.
`Description`	String	≤100
`OptionFlags`5.5–	Numeric	9			`1` = Continue drafts after Payoff. (N/A for Credit) `2` = Continue drafts after Maturity `4` = Do not adjust draft down to loan balance on payoff. (Not applicable for credit)
`OptionFlags`5.18+	Numeric	9			`0` = No option flag `16` = Apply payment as principal reduction only. `32` = Override default convenience fee.5.30+ `64` = Convenience fee as percent (fixed amount if not specified)5.30+
`Notes`	String
`StandardEntryClassCode`5.13+	String				`PPD` = Pre-arranged Payment or Deposit `TEL` = Telephone Initiated Entry `WEB` = Internet Initiated Entry `CCD` = Cash Concentration and Disbursement `POP` = Point-of-Purchase Entry `POS` = Point-of-Sale Entry `RCK` = Re-presented Check Entry
`ConvenienceFee`5.30+	Numeric	10,5	No		Only valid if payment type is ACH. Only allowed if the state the primary borrower resides in (or the default) has ACH Convenience Fees set up. Only allowed if `OptionFlags` = `32`. Defaults to whatever the ACH Convenience Fee settings for the given state and BillingType dictate.
`ItemSequence`5.37+	Numeric		No		Applicable only when `Operation`="`UPDATE`".5.37.0 - 5.37.1 Applicable when `Operation`="`ADD`" or "`UPDATE`".5.37.2+ Determines the order in which ACH payments are presented in NLS. When two records have the same sequence value, their presentation order is arbitrary.