Electronic Payments : Is the Payment File Created in NetSuite Considered a Balanced File?

A balanced file means that the payment file generated will include a balance or contra entry records. 

If the EFT Template or DD Template is any of ACH formats, there should be an option for creation of Balanced Files.

To check this,

1. Navigate to Payments > Setup > Bank Details.

2. View a Bank Account where either the EFT Template or DD Template is an ACH format.

3. In the Company Bank Details page, go to either the EFT Template Details (ACH-CCD/PPD) tab or the DD Template Details (ACH-PPD) tab. Find the Create Balanced Files checkbox.

4. If Create Balanced Files is checked, the payment file generated will include a balance entry record.