Read and convert BAI2 files

BAI2 files are what US treasury and cash-management portals export for ERP systems: comma-separated records with numeric type codes and amounts in cents. Ledgermere shows them as a table per account and converts them.

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How BAI2 is read

01 file header, 02 group header (as-of date and currency), 03 account identifier with summary amounts (opening ledger 010, closing ledger 015), 16 transaction detail, 88 continuation, 49/98/99 trailers.
Type codes 100–399 are credits and 400–699 debits; common codes get a readable description (for example 195 incoming money transfer, 475 check paid).
Funds-type fields (immediate, one-day, S and V distributions) are skipped correctly, so the bank and customer references and text are found.

Steps

Open the .bai / .bai2 / .txt file in Ledgermere; each account becomes its own statement.
Export to CSV or Excel, or to QBO / OFX – one file per account.

Questions and answers

Which date is used?

BAI2 detail records have no own date; the group’s as-of date is used for every transaction, as most banks intend.

Are custom 9xx type codes supported?

They are read; because their meaning is bank-specific, Ledgermere marks them so you can check the sign.

Last updated: 2026-10-26