PATHWELL FEATURES
A Toolset Focused on Simplicity & Security
Pathwell is more than just a file generator. It’s a complete desktop utility designed to simplify your ACH workflow, keep your data secure, and eliminate costly file rejection errors from your bank.
Local-First Security
Your financial data is your most sensitive asset. Pathwell is a desktop application, meaning your beneficiary information, bank details, and transaction history are processed and stored exclusively on your local machine.
There are no cloud servers to breach and no third-party data access. Your data never leaves your computer, providing ultimate peace of mind.
Desktop Application
All data remains on your computer, not in the cloud.
Beneficiary Address Book
Stop re-typing routing and account numbers. Import a simple CSV file of your beneficiaries, and Pathwell builds a secure, local address book.
Once loaded, your address book becomes searchable. Quickly find payees, select them for payment, and let Pathwell automatically and accurately populate the required NACHA file fields.
Example CSV Import
Import a simple spreadsheet. Amounts are added later.
full_name,routing_number,account_number,account_type "Blue Crane Supplies",021000021,1234567890,CHECKING "North Ridge Contractors",121000248,9876543210,SAVINGS "Acme Payroll Services",026009593,0001234567,CHECKING
full_name, routing_number, account_number, account_type (CHECKING or SAVINGS).
Bank-Specific Validation
The most frustrating part of ACH is a rejected file with a cryptic error. Pathwell solves this by validating your file against your bank’s specific formatting rules *before* you generate it.
Just choose your bank from our list of templates. Pathwell checks record counts, hash totals, SEC codes, and more to ensure your file will be accepted the first time.
Validation Report: Success
File passes all rules for the selected bank template.
- ✔ File header/footer records are correct.
- ✔ Batch counts and hash totals match.
- ✔ SEC code is allowed by bank.
- ✔ Routing number check digits are valid.
Stop wrestling with file specs.
Get early access to Pathwell Financial and start creating perfect NACHA files the first time, every time. Join the waitlist for launch notifications and private preview access.