# ACH transfer object

The ACH transfer object represents the current state of a single ACH transfer originated by or received by Column. The ACH object will contain all relevant information about the specific transfer, which are described in the parameters below. Read more about [ACH transfers here](/ach).

### Object Parameters

- `account_number_id` `string` — ID of the account number that is sending the transfer
- `ach_transfer_batch_id` `string` — ID of the ACH transfer batch this transfer belongs to.
- `acknowledged_at` `date-time` — The timestamp at which an acknowledgement is received for a `CCD` or `CTX` ACH transfer.
- `allow_overdraft` `boolean` — Allow the account to go negative for the transfer. The bank account needs to have `is_overdraftable` enabled with an overdraft reserve account linked to it.
- `amount` `number` — Amount (in cents) of the funds that will be transferred between originator and counterparty accounts. e.g. $1.75 would be represented by 175.
- `bank_account_id` `string` — ID of the bank account that is sending the transfer
- `cancelled_at` `date-time` — The timestamp at which the transfer is cancelled
- `company_discretionary_data` `string` — This optional field allows you to include codes (one or more), of significance only to you, to enable specialized handling of the transfer. There is no standardized interpretation for the value of the field. Maximum length: `20` characters. CIE: This field may contain the Biller's name. CTX: The Originator's bank account number may be placed in this field.
- `company_entry_description` `string` — You can use this optional field to provide the Receiver with a description of the purpose of the transfer. For example, "Gas bill", "Reg. Salary", "ins. prem.", "Soc. Sec.", "DTC", "Trade Pay", "PURCHASE", etc. Default value: `PAYMENT`. Maximum length: `10` characters.
- `company_id` `string` — Typically, a 10-digit unique identifier used for identifying entities, called originators, sending or collecting payments via ACH credit or ACH debit. For WEB entries it can be alphanumeric and less than 10 characters. If you would like to use a specific company ID when originating ACH transactions, please contact us.
- `company_name` `string` — The name of the originator company that initiated the ACH transfer
- `completed_at` `date-time` — The timestamp at which the 60 day return window has passed for this ACH transfer, and it is officially completed
- `counterparty_id` `string` — ID of the counterparty that will receive the transfer
- `created_at` `date-time` — The timestamp at which the transfer request is created
- `created_by` `object` — The identity (API key or dashboard user) that created the ACH transfer.
  - `id` `string` — The unique ID of the identity (e.g., API key ID or dashboard user ID).
  - `name` `string` — The display name of the identity.
  - `type` `enum` — The type of the identity.
    Possible values: `API_KEY`, `DASHBOARD_USER`
- `currency_code` `string` — The three-letter currency code defined in ISO 4217. e.g. `USD`.
- `description` `string` — Description of the transfer visible only in your platform. Maximum length: `255` characters.
- `effective_on` `date-time` — Datetime (00:00AM in Pacific Time zone) on which the transfer is effective. For incoming transfers, this is 00:00AM on the Settlement Date of the transfer in PT timezone.
- `entry_class_code` `string` — Standard Entry Class code of the transfer
- `entry_details` `object` — ACH entry details containing transaction code information
  - `check_serial_number` `string` — Check serial number. Used for `POP`, `ARC`, `BOC`, `RCK` entry class codes
  - `terminal_city` `string` — Terminal city. Used for `POS`, `MTE` entry class codes
  - `terminal_id` `string` — Terminal identifier. Used for `POS`, `MTE` entry class codes
  - `terminal_location` `string` — Terminal location. Used for `POS`, `MTE` entry class codes
  - `terminal_state` `string` — Terminal state. Used for `POS`, `MTE` entry class codes
  - `transaction_code` `integer` — The 2-digit numeric value from the actual ACH entry record details
  - `transaction_code_name` `string` — Human-readable name of the transaction code
  - `transaction_serial_number` `string` — Transaction serial number. Used for `POS`, `MTE` entry class codes
- `iat` `object` — This field provides additional IAT (International ACH Transfer) addenda information See [IAT transfer sub-object](/api/ach-transfer/iat-transfer-sub-object).
- `id` `string` — The unique id for this object
- `idempotency_key` `string` — The idempotency key specified in the ACH transfer
- `initiated_at` `date-time` — The timestamp at which Column received your ACH request
- `intermediary_financial_institutions` `array of objects` — Applies only to IAT transfers. This is a List of intermediary institutions involved in an IAT transfer.
  - `country_code` `string` — Two-letter ISO 3166-1 alpha-2 country code of the institution
  - `identifier` `string` — Identifier of the intermediary financial institution (e.g., routing number or BIC)
  - `identifier_type` `string` — Type of identifier. Possible values: `aba`, `bic`, `iban`, `other`
  - `name` `string` — Name of the intermediary financial institution
- `is_incoming` `boolean` — Indicates whether the ACH transfer was incoming ( `true` ) or outgoing ( `false` ).
- `is_on_us` `boolean` — Indicates whether or not the ACH transfer is coming from a Column bank account. If `true` the request is processed immediately like a book transfer, and not sent to the Fed.
- `manual_review_at` `date-time` — The timestamp at which the ACH transfer went into the manual review state
- `notification_of_changes` `object` — Details of Notifications of Change (NOCs) with the latest information of the counterparty. Available only with ach.`outgoing_transfer`.noc events.
  - `account_number` `string` — Latest account number of the counterparty
  - `receiver_id` `string` — Latest accounting reference number by which the beneficiary should be referred by the originator
  - `routing_number` `string` — Latest routing number of the counterparty
- `nsf_deadline` `date-time` — For incoming ACH Debits and available only with ach.`incoming_transfer`.nsf events. This is the deadline by which the receiver account must be funded to complete the incoming debit. Column will file an NSF return for this ACH transfer if the account is not funded by the `nsf_deadline`.
- `odfi_routing_number` `string` — The externally facing routing number for the ODFI that initiated the ACH Transfer
- `payment_related_info` `string` — Provides additional information on the ACH transfer. Limited to 80 characters for most transfer types, but CTX transfers can include up to 799,920 characters (9,999 addenda records x 80 characters each). ENR and TRX transfers may also support extended lengths.
- `pre_review_at` `date-time` — The timestamp at which the ACH transfer entered a pre-review state.
- `receiver_id` `string` — This field contains the accounting reference number by which the Receiver is known to the Originator. It is included for further identification and for descriptive purposes. For example, it may be the number shown on an invoice, statement, billhead, notice, or other communication as the reference for the Receiver to update account receivable records.
- `receiver_name` `string` — The name of the receiver, usually the name on the bank account of the Receiver. Default value: beneficiary name of the counterparty. Maximum length: `22` characters.
- `return_contested_at` `date-time` — The timestamp at which the dishonored return for this transfer was contested by the RDFI
- `return_details` `array of objects` — Details of the return processing history (e.g., initiated, dishonored, dishonor contested, manual review, etc.). Available only with ach._.returned , ach._.`return_dishonored` or ach.\*.`return_contested` events.
  - `addenda` `string` — Optional information provided about the ACH return
  - `created_at` `date-time` — The timestamp at which the ACH return is created
  - `description` `string` — Description of the ACH return
  - `return_code` `string` — Reason for the ACH return
  - `status` `string` — Status of the ACH return
  - `updated_at` `date-time` — The timestamp at which the ACH return is updated
- `return_dishonored_at` `date-time` — The timestamp at which the return for this transfer was dishonored by the ODFI
- `return_dishonored_funds_unlocked_at` `date-time` — The timestamp at which the dishonored return funds are unlocked
- `returned_at` `date-time` — The timestamp at which the ACH transfer is returned by the RDFI
- `reversal_pair_transfer_id` `string` — If the transfer is the original transfer of an ACH Reversal, this field is the unique ID of the reversal transfer. If the transfer is the reversal transfer of an ACH Reversal, this field is the unique ID of the original transfer.
- `reviews` `array of objects` — List of compliance reviews associated with the ACH transfer.
  - `comment` `string` — Comment provided by the reviewer
  - `created_at` `string` — Timestamp of when the review was created
  - `decision` `string` — Review decision. Possible values: `approved`, `rejected`
  - `id` `string` — Unique identifier of the review
  - `reviewed_by` `object` — Identity of the reviewer (API key or dashboard user)
    - `id` `string` — ID of the entity or API key that created the resource
    - `name` `string` — Name of the creator
    - `type` `string` — Type of creator (e.g. `api_key`, `user`)
  - `updated_at` `string` — Timestamp of when the review was last updated
- `same_day` `boolean` — Specify if the transfer is a same-day ACH transfer. If it is set as `true`, it takes precedence over `effective_date` and overrides it.
- `settled_at` `date-time` — The timestamp at which the ACH was settled
- `status` `string` — The current state of the ACH transfer. Possible values: `INITIATED`, `PENDING_SUBMISSION`, `SUBMITTED`, `SETTLED`, `RETURNED`, `COMPLETED`, `CANCELED`, `SCHEDULED`, `PENDING_RETURN`, `RETURN_DISHONORED`, `RETURN_DISHONORED_FUNDS_UNLOCKED`, `RETURN_CONTESTED`, `MANUAL_REVIEW`, and `MANUAL_REVIEW_APPROVED`
- `submitted_at` `date-time` — The timestamp at which the ACH transfer was submitted to the Fed
- `trace_number` `string` — The unique number assigned to every ACH entry by an ODFI which identifies that entry within a specific ACH file
- `transaction_type_code` `string` — This is a required code on IAT transfers used to identify reason for payment. Possible values: `ANN`, `BUS`, `DEP`, `LOA`, `MIS`, `MOR`, `PEN`, `REM`, `RLS`, `SAL`, `TAX`
- `type` `string` — ACH transfer type: `CREDIT` or `DEBIT`. [Learn more](/ach).
- `ultimate_beneficiary_counterparty_id` `string` — ID of the ultimate beneficiary counterparty that will receive the transfer. This is only required on outgoing IAT debits.
- `ultimate_originator_counterparty_id` `string` — ID of the ultimate originating counterparty that sent the transfer. This is only required on outgoing IAT credits.
- `updated_at` `date-time` — The timestamp at which the ACH transfer was last updated

**Response 200**

```json
{
  "account_number_id": "acno_2Q1ctiJm1NypVqCt8UBC8e4xTfH",
  "ach_transfer_batch_id": "actr_2Q1ctiJm1NypVqCt8UBC8e4xTfH",
  "acknowledged_at": "2024-01-15T09:30:00Z",
  "allow_overdraft": false,
  "amount": 10000,
  "bank_account_id": "bacc_2Q1ctiJm1NypVqCt8UBC8e4xTfH",
  "cancelled_at": "2024-01-15T09:30:00Z",
  "company_discretionary_data": null,
  "company_entry_description": "PAYMENT",
  "company_id": "co_2Q1ctiJm1NypVqCt8UBC8e4xTfH",
  "company_name": "Example company name",
  "completed_at": "2024-01-15T09:30:00Z",
  "counterparty_id": "cpty_2Q1ctiJm1NypVqCt8UBC8e4xTfH",
  "created_at": "2024-01-15T09:30:00Z",
  "created_by": {
    "id": "acht_2Q1ctiJm1NypVqCt8UBC8e4xTfH",
    "name": "Example name",
    "type": "API_KEY"
  },
  "currency_code": "USD",
  "description": "Example description",
  "effective_on": "2024-01-15T09:30:00Z",
  "entry_class_code": "PPD",
  "entry_details": {},
  "iat": {
    "foreign_correspondent_bank_info": [
      {
        "branch_country_code": "US",
        "identification_number": "123456789",
        "identification_number_qualifier": "123456789",
        "name": "Example name"
      }
    ],
    "foreign_payment_amount": 10000,
    "foreign_trace_number": "0000000000000000",
    "odfi_branch_country_code": "US",
    "odfi_identification": "02100008",
    "odfi_identification_number_qualifier": "123456789",
    "odfi_name": "Example odfi name",
    "originator_city_state_province": "San Francisco, CA",
    "originator_country_postal_code": "94105",
    "originator_name": "Example originator name",
    "originator_street_address": "101 Market St",
    "payment_related_info": [
      "Payment for invoice #1234"
    ],
    "rdfi_branch_country_code": "US",
    "rdfi_identification": "02100008",
    "rdfi_identification_number_qualifier": "123456789",
    "rdfi_name": "Example rdfi name",
    "receiver_city_state_province": "San Francisco, CA",
    "receiver_country_postal_code": "94105",
    "receiver_identification_number": "123456789",
    "receiver_street_address": "101 Market St",
    "receiving_company_or_individual_name": "Example receiving company or individual name",
    "transaction_type_code": "DEP"
  },
  "id": "acht_2Q1ctiJm1NypVqCt8UBC8e4xTfH",
  "idempotency_key": "2Q1ctiJm1NypVqCt8UBC8e4xTfH",
  "initiated_at": "2024-01-15T09:30:00Z",
  "intermediary_financial_institutions": [],
  "is_incoming": false,
  "is_on_us": false,
  "manual_review_at": "2024-01-15T09:30:00Z",
  "notification_of_changes": {
    "account_number": "1234567890",
    "receiver_id": "re_2Q1ctiJm1NypVqCt8UBC8e4xTfH",
    "routing_number": "021000089"
  },
  "nsf_deadline": "2024-01-15T09:30:00Z",
  "odfi_routing_number": "021000089",
  "payment_related_info": "Payment for invoice #1234",
  "pre_review_at": "2024-01-15T09:30:00Z",
  "receiver_id": "re_2Q1ctiJm1NypVqCt8UBC8e4xTfH",
  "receiver_name": "Example receiver name",
  "return_contested_at": "2024-01-15T09:30:00Z",
  "return_details": [
    {
      "addenda": "Payment for invoice #1234",
      "created_at": "2024-01-15T09:30:00Z",
      "description": "Example description",
      "return_code": "R01",
      "status": "pending",
      "updated_at": "2024-01-15T09:30:00Z"
    }
  ],
  "return_dishonored_at": "2024-01-15T09:30:00Z",
  "return_dishonored_funds_unlocked_at": "2024-01-15T09:30:00Z",
  "returned_at": "2024-01-15T09:30:00Z",
  "reversal_pair_transfer_id": "wire_2Q1ctiJm1NypVqCt8UBC8e4xTfH",
  "reviews": [],
  "same_day": false,
  "settled_at": "2024-01-15T09:30:00Z",
  "status": "pending",
  "submitted_at": "2024-01-15T09:30:00Z",
  "trace_number": "021000089012345",
  "transaction_type_code": "DEP",
  "type": "CHECKING",
  "ultimate_beneficiary_counterparty_id": "cpty_2Q1ctiJm1NypVqCt8UBC8e4xTfH",
  "ultimate_originator_counterparty_id": "cpty_2Q1ctiJm1NypVqCt8UBC8e4xTfH",
  "updated_at": "2024-01-15T09:30:00Z"
}
```