Accredited ACH Professional (AAP) Exam 2025 – 400 Free Practice Questions to Pass the Exam

A Trace Number in an ACH file is a unique identifier essential for tracking individual transactions. It typically consists of a 15-digit code that starts with the routing number of the financial institution that initiated the transaction. This structure allows the identification of the transaction's source and is critical for the proper reconciliation and tracking of ACH entries.

The Trace Number provides a means to monitor transactions from the point of initiation, through the processing system, up to the settlement phase, thereby facilitating communication and troubleshooting between financial institutions, corporate users, and individuals. The fact that it includes the routing number ensures that each transaction can be associated back to the originating bank, making it a vital reference for any party involved in an ACH transfer.

The other options describe identifiers or codes that do not align with the specific function and structure of a Trace Number in an ACH context.