ACH Standard Entry Class code

ENR SEC code: Automated Enrollment Entry

Zero-dollar entry enrolling a beneficiary in Federal Government direct deposit.

What ENR is for

A zero-dollar entry enrolling a beneficiary in a federal agency’s direct deposit program.

Sent by a financial institution to a Federal Government agency.

Authorization

The beneficiary asks the financial institution to enroll them; the institution sends the enrollment.

A summary in general terms: the Nacha Operating Rules set the exact requirements, and Regulation E adds its own for consumer accounts.

Debits, credits and addenda

Zero-dollar entries only.

Addenda on a forward entry: type 05, 1 to 9,999 per entry. Returns (addenda type 99) and Notifications of Change (type 98) follow their own layouts whatever the SEC code.

Returns

The agency rejects an enrollment with R40–R47, one code per problem (transaction code, routing number, account number, identification, name, representative payee, duplicate).

Common mix-ups

ENR enrolls a beneficiary; DNE reports a death.

Where ENR sits in a NACHA file

The SEC code is a batch-level field: positions 51–53 of the Company/Batch Header record (type 5), so every entry in the batch shares it, and a file that mixes SEC codes puts them in separate batches. The batch header also carries the Company Name, Company Identification and Company Entry Description that Receivers see on their statements.

To read a ENR batch record by record, open the file in NACHA Navigator, a free sister site that parses NACHA files in your browser without uploading them.

Look up ENR from code or an AI agent

REST · GET · no key

curl -s 'https://payopskit.com/api/v1/codes/ENR?set=ach-sec'

MCP · tools/call · lookup_payment_code

{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "lookup_payment_code",
    "arguments": {
      "code": "ENR",
      "set": "ach-sec"
    }
  }
}

Response (JSON)

{
  "code": "ENR",
  "set": "ach-sec",
  "found": true,
  "matches": [
    {
      "set": "ach-sec",
      "code": "ENR",
      "name": "Automated Enrollment Entry",
      "description": "Zero-dollar entry enrolling a beneficiary in Federal Government direct deposit.",
      "details": {
        "direction": "zero",
        "addendaTypes": "05",
        "minAddenda": 1,
        "maxAddenda": 9999
      }
    }
  ]
}

The MCP server is at /mcp (Streamable HTTP, no key); the API and MCP docs show how to connect Claude, Cursor or VS Code.

Source: Nacha Operating Rules, Appendix Three (Standard Entry Class codes). The code’s name is the Rules’ own; the rest is this site’s plain-language summary, informational and not a substitute for the Rules or your ODFI agreement.