Always happy to share what I know or what my experience has been!  Good luck!  I do know that different banks have different settings on those NACHA files.  Sometimes their spec sheets are helpful, and sometimes not.  I have been lucky to always get good customer service reps at the banks who have done a lot of hand holding with the initial set up!  I will say that one bank we never could get the file set up correctly for was Chase Bank.  I don't know what the issue was, but they would never accept what we provided.  I have found the smaller local banks are much easier to deal with.