Excel to NACHA File Converter for Bank of America
Convert your Excel spreadsheets into a fixed-width NACHA (ACH) file ready to upload to Bank of America's CashPro portal. Free, secure, client-side conversion.
Bank of America accepts standard NACHA-formatted ACH files for origination through its CashPro online banking platform. Our converter takes your payroll (PPD) or vendor payment (CCD) spreadsheet and generates a properly formatted, fixed-width NACHA file you can upload directly.
Notes for Bank of America ACH Origination
- Bank of America originates ACH files through the CashPro cash management portal, which accepts standard NACHA fixed-width files.
- Use PPD (Prearranged Payment and Deposit) for consumer payments like payroll, and CCD (Corporate Credit or Debit) for business-to-business vendor payments.
- Your Bank of America-assigned Company ID and account/routing details must match your origination agreement exactly, or CashPro will reject the file.
- Confirm same-day ACH cutoff times, per-file transaction limits, and dual-approval workflow requirements with your Bank of America treasury services representative.
Bank of America is referenced here for informational purposes to describe file upload compatibility. This tool is not affiliated with or endorsed by Bank of America. Always confirm exact origination limits and file requirements with your CashPro onboarding documentation.
Frequently Asked Questions
Does Bank of America accept standard NACHA files?
Yes. Bank of America's ACH origination services, accessed via the CashPro portal, accept files formatted to the standard NACHA fixed-width specification maintained by Nacha (the ACH network operator).
How do I convert an Excel payroll file to NACHA format for Bank of America?
Upload your Excel or CSV file to our converter, map your columns (account number, routing number, amount, name), select PPD or CCD as the transaction type, and download the generated fixed-width NACHA file for upload to CashPro.
What is the difference between PPD and CCD for Bank of America ACH files?
PPD is used for consumer-purpose transactions such as payroll direct deposit, while CCD is used for corporate/vendor payments. CashPro supports both transaction codes.
Is this tool affiliated with Bank of America?
No. This is an independent conversion tool that produces standard NACHA-format files compatible with Bank of America's ACH origination process. It is not affiliated with or endorsed by Bank of America Corporation.