Overview
Treasury Software's ACH Universal Online supports Desjardins Bank Canadian EFT files using the CPA‑005 1464‑byte format. This guide outlines the specific configuration requirements for Desjardins, including language considerations, destination settings, and file structure rules.
Table of Contents
- CPA‑005 & Desjardins Format Overview
- Step‑by‑Step Desjardins Canadian
- EFT Setup Special Requirements for Desjardins
- Frequently Asked Questions (FAQs)
CPA‑005 & Desjardins Format Overview
Desjardins uses the Canadian Payments Association (CPA) Standard 005, 1464‑byte fixed‑width EFT format.
Key Points:
- Uses CPA‑005 Canadian EFT standard
- Configuration interface and communication are primarily in French
- Requires specific formatting for trailer records
- Uses Originator ID numbers that differ by transaction type
For Desjardins:
- Destination Data Centre: 81510
Step‑by‑Step: Desjardins Canadian EFT File Setup
Step 1: Open Canadian EFT Settings
Step 2: Select Desjardins Bank
- From the bank list, select Desjardins
- Enter or confirm the Data Destination Centre as 81510
Step 3: Enter Company & Banking Information
Complete the following fields:
- Short Company Name
-
Long Company Name
- Must be one word (no spaces)
-
Originator/Company ID
- Provided by Desjardins
- Bank Account Number
- Financial Institution / Routing Details
Click Save Changes
Step 4: Complete File Creation
Continue with the standard Canadian EFT file creation process in ACH Universal Online.
Special Requirements for Desjardins
Trailer Record Formatting
- Positions 69–112 must contain zeros
Originator ID Usage
-
Separate Origin ID numbers are required for:
- Credits
- Debits
-
If processing both, you must:
- Create two separate bank accounts/setups
Language Note
- Desjardins banking interfaces and documentation are typically in French
Frequently Asked Questions (FAQs)
1. Can I send both credits and debits in the same file?
No. Desjardins requires separate Originator IDs, so separate configurations are recommended.
2. What is required for the Trailer Record?
Positions 69–112 must be filled with zeros.
3. Does the Short Name allow spaces?
No. It must be a single word with no spaces.
Need Help?
Still have questions? Contact Treasury Software Support or visit www.treasurysoftware.com for personalized assistance.
