US ACH Support

Excel to NACHA File Converter for Chase

Convert your Excel spreadsheets into a fixed-width NACHA (ACH) file ready to upload to Chase Connect. Free, secure, client-side conversion.

New: Now supporting NACHA/ACH for US payments. Try the converter →
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JPMorgan Chase accepts standard NACHA-formatted ACH files for origination through its Chase Connect 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.

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Notes for Chase ACH Origination

  • Chase originates ACH files through the Chase Connect 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 Chase-assigned Company ID and account/routing details must match your Chase origination agreement exactly, or the file will be rejected on upload.
  • Confirm same-day ACH cutoff times, per-file transaction limits, and any pre-notification requirements with your Chase treasury services representative.

Chase is referenced here for informational purposes to describe file upload compatibility. This tool is not affiliated with or endorsed by Chase. Always confirm exact origination limits and file requirements with your Chase Connect onboarding documentation.

Frequently Asked Questions

Does Chase accept standard NACHA files?

Yes. Chase's ACH origination services, accessed via the Chase Connect 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 Chase?

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 Chase Connect.

What is the difference between PPD and CCD for Chase ACH files?

PPD is used for consumer-purpose transactions such as payroll direct deposit, while CCD is used for corporate/vendor payments. Chase Connect supports both transaction codes.

Is this tool affiliated with Chase?

No. This is an independent conversion tool that produces standard NACHA-format files compatible with Chase's ACH origination process. It is not affiliated with or endorsed by JPMorgan Chase & Co.