What Is a Flat-File Transfer? | Axos Bank

What is a Flat-File Transfer?

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Flat-file transfers have been the standard method for retrieving and updating system data due to their fairly simple process. Your financial institution may use flat files to send your organization current-day check images, current day wires, NACHA returns, paid check images, return check images, and statement images. Formats for flat-file transfers include CSV, JSON, and HTML.

APIs differ from flat-file transfers

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What is a Flat-File Transfer?