If you can provide a transaction file in an approved format (ACH, FEP), you may want to load the file instead of creating all the transactions in the application.
If you do not have the means to create the approved format, you can still load a file in text format by using the bulk load process. This process allows you to map the file data to the appropriate fields (much like you can when importing data), and then it converts the file into ACH format. You must have a Bulk Load category set up by the FI and configured in the application before using this feature. Bulk Load categories are maintained separately from other categories, and you cannot create subcategories for them.
Loaded (or bulk loaded) files do not become part of the transaction list; they are passed through the application as one entity. These pass-through files must be verified and authorized just like transaction collections, depending on the requirements from your FI.