It's not a comma delimited file, it's what you would call an SDF (standard data format) file. It's all ASCII, but there are several record types (header, detail, etc.) each with its own format. The ACH Rules book from NACHA has the details. Ask your bank if they can loan you a copy of this, or go to www.nacha.org and see if the info you need can be downloaded. It's not difficult to program for this file format, although it's a bit tedious.

>I have written our payroll software in VFP. Now we want to initiate direct deposit. Our bank requires a NACHA file. They sent me a document describing the format but it is confusing, terminology is not familiar to me.
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>Does anyone out there have an example that they could send me.
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>I assume it's just a flat file. Is it comma delimited? etc...
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>An example would go a long way to clearing up my questions.