ACH Universal supports Royal Bank of Canada's 1464 EFT file format byte file format.
To configure your account for RBC:
--On the Home tab click Canada EFT Settings.
--Check the box Activate Canadian format
--Select RBC
--In the Destination Data Centre box, select a centre
Enter your company information as below. Note:
--Enter your RBC account number.
--Your institutional id is 9 digits, and is comprised of
| 0 | Constant |
| 003 | RBC |
| TTTTT | Branch Transit # |
It should start with 0003 (0 + 003).
If your branch (transit) number is 22222 for example, enter 000322222
File Creation Number (FCN)
Production - You typically never need to adjust your File Creation Number for RBC during production. RBC only requires that the File Creation Number be unique for each of the previous 9 files. Using ACH Universal you typically do not need to ever change/set/reset it. The system will auto-increment each file by 1.
Testing - During testing, set the File Creation Number to TEST, by overriding it as below. Don't forget to remove this value when going into production.
Header Record
Header section. Enable 'Testing' during testing - and then opt to 'Production' for live transfers.
The 'Other Codes' section has been set for RBC. Do not change these settings.
Click on OK to save your work.
NOTE: RBC has two portals: one is RBC Express and the other is RBC Standard. The RBC Standard wants the login record but not RBC Express.
Debits and Credits must be in separate files
If you are only creating debit transactions, or only credit transactions - not an issue.
However, if you are creating both debit and credit transactions, you will want to set up separate accounts (i.e., .brd files) within ACH Universal - one for debits, and one for credits.
You can create a new account from the main menu File > New Account.
Daily activity:
--RBC has user-friendly rules regarding the File Creation Number (FCN). There is no work or maintenance for you to do. You do not ever need to reset or override the FCN. The FCN is automatically generated for you (auto-increments by 1).
--RBC will accept (warehouse) transactions up to 173 days in the future.
Cross-border transactions
You cannot use this format (above) for cross-border transactions.
Instead, use the US ACH-IAT International format at:
https://help.treasurysoftware.com/hc/en-us/articles/360010241414-International-Transactions-IAT-
Tip: The US system supports US ASCII characters - do not use French characters in your file.
Documentation
The main RBC web page for EFT is https://www.rbcroyalbank.com/ach/cid-212260.html
Data Import:
RBC requires I.D. numbers on each transaction.
