Automated Clearing House Payments


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.

The Payment must be received in State Farm's account at the custody bank on or before the State Farm Due Date. Once the payment reaches our custody bank, an additional 24 hours are used to settle the account.

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

File Header Record

FIELD DESCRIPTION SIZE CONTENT
1 Record Type 1 1
2 Priority Code 2 numeric
3 Immediate Destination 10 bTTTTAAAAC
4 Immediate Origin 10 bTTTTAAAAC
5 File Creation Date 6 yymmdd
6 File Creation Time 4 hhmm
7 File ID Modifier 1 uppercase alpha-numeric
8 Record Size 3 094
9 Blocking Factor 2 10
10 Format Code 1 1
11 Immediate Destination Name 23 alpha-numeric
12 Immediate Origin Name 23 alpha-numeric
13 Reference Code 8 alpha-numeric

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 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

Entry Detail Record

FIELD DESCRIPTION SIZE CONTENT
1 Record Type 1 6
2 Transaction Code 2 22
3 Receiving DFI Identification 8 01100123
4 Check Digit 1 4
5 DFI Account Number 17 0000106151
6 Amount 10 insurance payment
7 Individual Identification Number 15 contents of TRN02
8 Individual Name 23 SF Fire SFCF0100302
9 Discretionary Data 2 blank
10 Addenda Record Identification 1 1
11 Trace Number 15 record 5 fields 12 + 13

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

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

CCD+ Transaction Format File Header Record

FIELD DESCRIPTION SIZE CONTENT
1 Record Type 1 1
2 Priority Code 2 numeric
3 Immediate Destination 10 bTTTTAAAAC
4 Immediate Origin 10 bTTTTAAAAC
5 File Creation Date 6 yymmdd
6 File Creation Time 4 hhmm
7 File ID Modifier 1 uppercase alpha-numeric
8 Record Size 3 094
9 Blocking Factor 2 10
10 Format Code 1 1
11 Immediate Destination Name 23 alpha-numeric
12 Immediate Origin Name 23 alpha-numeric
13 Reference Code 8 alpha-numeric

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 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

Entry Detail Record

FIELD DESCRIPTION SIZE CONTENT
1 Record Type 1 6
2 Transaction Code 2 22
3 Receiving DFI Identification 8 01100123
4 Check Digit 1 4
5 DFI Account Number 17 0000106151
6 Amount 10 insurance payment
7 Individual Identification Number 15 contents of TRN02
8 Individual Name 23 SF Fire SFCF0100302
9 Discretionary Data 2 blank
10 Addenda Record Identification 1 1
11 Trace Number 15 record 5 fields 12 + 13

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

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

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