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Automated clearinghouse payments

EDI notification overview Examples using 811
Remit examples using 820 Example 997 acknowledgement
Individual notifications Specific instructions 3rd party transmission schedule Mortgagee reason codes Federal wire payments
ACH payments EDI survey

To ensure properly identified payment, the ACH transaction must be complete, including Amount, Tax Identification Number, and Trace Number*. Any payment that does not meet these requirements will cause a delay with State Farm's custody bank.

*For EDI Trading Partners, your Company Entry Description (Example: M97) value is character positions 11-13 located in the BIG02 in the 811 file.

*For Online Billing and Payment users, your Company Entry Description (Example: M97) value is the last three characters of the trace number of your online file.

The amount of payment should equal the total in the remittance detail sent to State Farm.

State Farm's custody bank will not accept checks mailed through the Post Office as payment.

Any problems delaying the payment should be communicated to the Lender Relations area at State Farm Corporate Headquarters.

CCD Transaction Format

Company Batch Header Record
FIELD DESCRIPTION SIZE CONTENT
1 Record Type 1 5
2 Service Class Code 2 numeric
3 Company Code 16 mortgage company name
4 Company Discretionary Data 2 blank
5 Company ID 10 1 plus mortgage tax id
6 Standard Entry Class Code 3 CCD
7 Company Entry Description 10 Example: M97
8 Company Descriptive Data 6 blank
9 Effective Entry Date 6 date for same day settlement
10 Settlement Date 6 blank
11 Originator Status Code 23 alpha-numeric
12 Originating DFI ID 8 originator's routing/transit number
13 Batch Number 7 originator's batch number

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Entry Detail Record
FIELD DESCRIPTION SIZE CONTENT
1 Record Type 1 6
2 Transaction Code 2 22
3 Receiving DFI Identification 8 02100001
4 Check Digit 1 8
5 DFI Account Number 17 8901589608
6 Amount 10 insurance payment
7 Individual Identification Number 15 contents of TRN02
8 Individual Name 23 State Farm Fire
9 Discretionary Data 2 blank
10 Addenda Record Identification 1 1
11 Trace Number 15 record 5 fields 12 + 13

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CCD+ Addenda Record
FIELD DESCRIPTION SIZE CONTENT
1 Record Type 1 7
2 Addenda Class Code 2 05
3 Payment Related Information 80 TRN*1* TRN02;
4 Addenda Sequence Number 4 0001
5 Entry Detail Sequence Number 7 record 5 field 13

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Company/Batch Control Record
FIELD DESCRIPTION SIZE CONTENT
1 Record Type 1 8
2 Service Class Code 3 220
3 Entry Addenda Count 6 total number of 6 and 7 records
4 Entry Hash 10 hashed 6 records
5 Total Debit Entry Dollar Amount 12 0
6 Total Credit Entry Dollar Amount 12 same as record 6 field 6
7 Company Identification 10 1 plus mortgagee tax ID
8 Message Authentication Code 22 blank
9 Reserved 6 blank
10 Originating DFI Identification 8 same as record 5 field 12
11 Trace Number 7 same as record 5 field 13

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File Control Record
FIELD DESCRIPTION SIZE CONTENT
1 Record Type 1 9
2 Batch Count 6 numeric
3 Block Count 6 numeric
4 Entry/Addenda Count 8 numeric
5 Entry Hash 10 numeric
6 Total Debit Entry Amount 12 $$$$$$$$$$$$
7 Total Credit Entry Amount 12 $$$$$$$$$$$$
8 Reserved 7 blank

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