This issue occurred because the batch template used for the EFT process was populated with defaults for the Effort and Account System fields, and that marketing effort and account system were subsequently deleted from the database.  So, there were traces of those fields left in the batch template as defaults even though those fields were showing as blank when viewing the template.  

To resolve this issue, populate the two fields with a different value and save the template.  Then, re-open the template and delete the default values out of both fields, and save the template again.