We have also done PAD's coming from a 3rd party billing solution (nursing homes), that we use a crystal report to create an import file into Adagio cash receipts, and create the file for the bank to receive. Our clients have been using this solution for over 4 years.
It's not too bad to create, but as Andrew suggests, you will need the bank's layout to complete. Your client can provide the report requirements and will need to have Crystal Reports for Adagio installed to use the solution.
Best,
Brian