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FedACH® Platform Modernization Customer-Facing Changes as of June 2020

List of customer-facing changes
Category Current Platform Modernized Platform
Originated Files When a file is initially received by the Federal Reserve Banks for processing, customers typically do not see a status in FedLine Information Services until processing is complete. Customers may see an interim status of "In Process" in FedLine Information Services until file processing is complete.
Pended Files
*NEW*
When a file is initially received by the Federal Reserve Banks for processing, there are 5 duplicate detection criteria applied:
  • Immediate origin
  • File create date
  • File create time
  • File ID modifier
  • Immediate destination
The new platform is being enhanced to include two additional duplicate detection criteria and remove one detection. These two additions are expected to significantly reduce “false” duplicate detection of files.
  • Total debit amount - NEW
  • Total credit amount - NEW
  • Immediate origin
  • File create date
  • File create time
  • File ID modifier
FedACH will no longer perform duplicate detection on immediate destination.
Acknowledgements When a file pends and is manually released, FedACH generates three acknowledgements:
  • file pend
  • file released
  • file accepted
When a file pends and is manually released, FedACH generates only two acknowledgements:
  • file pend
  • file accepted
FedACH will no longer generate a “released” status acknowledgement.
Acknowledgements When a batch or file is rejected at end of day (EOD), the acknowledgement shows the status message “rejected at EOD” only. The EOD reject acknowledgement has been enhanced to contain the original error(s) that caused the file to pend and will no longer show the status message “rejected at EOD”.
Acknowledgements When a file pends due to multiple errors, only the first error is captured in FedLine® Information Services and on acknowledgements.

Multiple errors are not currently displayed.
When a file pends, only the first error will continue to be captured in FedLine Information Services. The acknowledgement has been enhanced to display multiple errors.
Acknowledgements Current acknowledgements contain 60 lines per page. New acknowledgements will contain 52 lines per page.

If your institution is “processing” the ‘FAHK’ acknowledgements or data mining the data in the file to create printer friendly reports, etc. you will need to make adjustments accordingly. Additionally, if your institution has an automated process that is hard coded for 60 lines, your institution will need to make adjustments in advance of the migration.

Sample FAHK files can be found in the FedACH Platform Modernization Resource Center
Extensions When extensions are activated, all files are held while files bearing the sending point routing transit number (RTN) that extended are manually released into the desired business day.

This allows the institution requesting the extension to amend or confirm the RTN in need of an extension after the extension begins.
When extensions are activated, incoming files will no longer be held up. Files will immediately and automatically flow into the next business day for processing unless they bear the sending point RTN supplied by the customer requesting the extension.
File delivery Customers are able to request on-demand files through FedLine Information Services. Currently these files display as “On-Demand” in FedLine. Customers will no longer have access to request on-demand files through FedLine Information Services.

The new platform has been enhanced, allowing customers the ability to schedule (via ACH agreement) additional recurring daily file deliveries based on processing needs.

On-Demand files can still be requested by contacting FedACH and Check Services Customer Support.

All files will display as a status of “Ready” in FedLine. “On-Demand” status will no longer be displayed.
Test Environment
*NEW*
All incoming and outgoing test files are processed in the current platform. Beginning August 2020, all incoming and outgoing test files will be processed in the new modernized platform.

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