Overview

Treasury Software's ACH Universal Online fully supports Scotiabank Canadian EFT files using the CPA-005 1464-byte EFT format. This guide explains how to configure your account, enter your required banking information, setup File Creation Numbers (FCN), and create compliant EFT payment files for submission to Scotiabank.

Whether you are processing direct deposits, vendor payments, EFT collections, or recurring withdrawals, ACH Universal Online makes it easy to generate CPA-005 compliant files for Scotiabank.

Table of Contents

• CPA-005 & Scotiabank Format Overview
• Step-by-Step Scotiabank EFT Setup
• Scotiabank Institution Number & Transit Formatting
• File Creation Number (FCN) Requirements
• Frequently Asked Questions (FAQs)

CPA-005 & Scotiabank Format Overview

Scotiabank uses the CPA Standard 005 (CPA-005) 1464-byte fixed-width file format for Canadian Electronic Funds Transfer (EFT processing).

Key Features

• Supports EFT credits and EFT debits
• Allows credits and debits within the same file
• Uses a 9-digit Financial Institution Number
• Requires a unique File Creation Number (FCN) for production files
• Compatible with ACH Universal Online

Financial Institution Number:

It should start with 0002 (0 + 002).
If your branch (transit) number is 20020 for example, enter 000220020 

 Step-by-Step Scotiabank Canadian EFT Setup

Step 1: Canadian EFT Setup

From the Home screen, select the 'Canadian EFT Setup' tile.

Step 2: Choose Scotiabank from Canadian bank options

Use the dropdown button to choose Scotiabank. This will pre-populate Scotiabank specifications, such as the Destination Data Centre. 

Scotiabank's Destination Data Centre value: 00220

Step 3: Enter Company & Banking Information

Complete the following fields:

• Short Company Name (many banks require all capitalized letters and no spaces)
• Long Company Name
• Scotiabank Account Number
• Originator ID (provided by Scotiabank)
• Financial Institution Number 

Step 4: Set the File Creation Number (FCN)

During Testing:

Set the File Creation Number to 0000 before transmitting test files.

Production Files

For production processing:

• FCN must be unique for each file
• Numbers do not need to be sequential 
• ACH Universal Online automatically increments the FCN after each file.

For most customers, no manual adjustments are required during normal operation.

Step 5: Create Your EFT File

Continue with the Canadian EFT file creation process using:

Getting Started with Creating Canadian EFT Files

File Creation Number (FCN) Rules for Scotiabank

Scotiabank requires every production EFT file to contain a unique File Creation Number

Production Files

• Must contain a unique FCN
• Sequential numbering is not required
• ACH Universal Online automatically increments the FCN

Test Files

• Must use FCN value 0000

Resetting the FCN

If requested by the bank:

1. Click 'File Creation Number' in the left navigation menu.
2. Enter the desired number.
3. Click 'Save'.

Frequently Asked Questions (FAQs)

1. What file format does Scotiabank use for EFT payments?

Scotiabank uses the CPA-005 1464-byte Canadian EFT format.

2. What is Scotiabank's institution number?

Scotiabank's institution number is 002.

3. What should my Data Destination Centre be?

For Scotiabank, the Data Destination Centre should be 00220.

4. Can I include both credits and debits in the same EFT file?

Yes. CPA-005 files submitted to Scotiabank may contain both credits and debits.

5. What File Creation Number should I use during testing?

Use 0000 for all test files.

 Need Help?

Still have questions? Contact Treasury Software Support or visit www.treasurysoftware.com for personalized assistance.