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

The correct answer is that the purpose of the Addenda Record in an ACH file is to supply additional payment-related information. Addenda Records serve as a means to convey extra details that are not included in the main entry of the ACH transaction, enhancing clarity and ensuring that all relevant information is attached to the transaction.

For example, an Addenda Record may include details such as invoice numbers, payment descriptions, or other pertinent identifiers that assist both the originator and the receiver in processing the transaction properly. This supplementary information is particularly useful in various contexts, such as in business transactions where invoicing information or remittance details are critical for reconciliation.

By allowing for this additional context, the Addenda Record plays a vital role in the overall ACH process, ensuring both parties have a clear understanding of the transaction beyond just the basic financial details.