ACH SEC Codes

Code Application Title Application Description Consumer / Business Debit / Credit
ARC ACCOUNTS RECEIVABLE CHECK Converted checks received via the US mail or at a drop box location Consumer accounts only Single Debit Only
BOC BACK OFFICE CONVERSION Converted checks received by merchant at the point-of-purchase or a a manned bill payment locations, and processed during back office operations. Consumer accounts only Single Debit Only
CCD CORPORATE CREDIT OR DEBIT Transfer of funds between business accounts or to consolidated funds from several accounts of the same business. Business accounts only Debit or Credit
CIE CUSTOMER INITIATED ENTRY Credit entry initiated by an individual (usually through a bill payment service) used to pay some sort of an obligation. Consumer or Business Accounts Credit Only
CTX CORPORATE TRADE EXCHANGE Payment or collection of obligations between separate businesses Business accounts only Debit or Credit
DNE DEATH NOTIFCATION ENTRY Notice initiated by an agency of the Federal Government to advise an RDFI of the death of an individual (Includes addenda record with details) Consumer accounts only Credit only (Non dollar amount entry)
ENR AUTOMATED ENROLLMENT ENTRY Entry submitted by Financial Institution to enroll member in direct deposit of Federal Government Benefit Program. Consumer accounts only Credit only (Non dollar amount entry)
IAT INTERNATIONAL ACH TRANSACTION Transaction involving a financial agency’s office that is not located in the territorial jurisdiction of the United States Consumer or Business Accounts Debit or Credit
POP POINT OF PURCHASE ENTRY Converted checks received by merchant at the point of sale Consumer accounts only Single Debit Only
POS POINT OF SALE ENTRY Entry submitted by individual at a merchant location using a merchant-issued card for payment of goods or services Consumer accounts only Single Debit Only
PPD PREARRANGED PAYMENT & DEPOSIT ENTRY Recurring entry for direct deposit of payroll, pension, etc., or for direct payment of recurring bills such as utilities, loans or insurance, etc. Consumer accounts only Debit or Credit
RCK REPRESENTED CHECK ENTRY Merchant collection of checks that had been returned as NSF or Uncollected funds Consumer accounts only Single Debit Only
TEL TELEPHONE AUTHORIZED ENTRY Single or recurring entry submitted pursuant to an oral authorization obtained solely via the telephone Consumer accounts only Debit Only
WEB INTERNET AUTHORIZED ENTRY Entry submitted pursuant to an authorization obtained solely via the internet or a wireless network Consumer accounts only Debit Only
XCK DESTROYED CHECK ENTRY Replacement entry for check that is lost or destroyed or for check image that is unreadable or can not be processed Consumer or Business Accounts Single Debit Only
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