Ah, NACHA, oh how I hate thee.<p>If only NACHA files <i>were</i> JSON as shown in the example in the article.<p>I wrote a NACHA processor in MS Access many years ago for a client in the insurance industry. That thing is <i>still</i> being used. God, I wish it would die. Although, I'm not sure which is worse: Parsing and generating the NACHA record format, or trying to parse and generate JSON in VBA.<p>Why MS Access? Their entire claims processing system (which I did not write) ran on it. I only <i>just</i> got that damn thing migrated to an MSSQL backend. The pain.