Abbreviation

Name

Description

ACK/ATX

Acknowledgment Entries

These optional Standard Entry Class Codes are available for use by the RDFI to acknowledge the receipt of ACH credit payments originated using the CCD or CTX formats. These acknowledgments indicate to the originator that the payment was received and that the RDFI will attempt to post the payment to the Receiver’s account. Acknowledgment entries initiated in response to a CCD credit entry utilize the ACK format. Acknowledgments initiated in response to a CTX credit entry utilize the ATX format.

ADV

Automated Accounting Advice

This Standard Entry Class Code represents an optional service to be provided by ACH operators that identifies automated accounting advices of ACH accounting information in machine readable format to facilitate the automation of accounting information for participating DFIs.

ARC

Accounts Receivable Entry

This Standard Entry Class Code enables originators to convert to a Single Entry ACH debit a consumer check received via the U.S. mail or at a dropbox location for the payment of goods or services. The consumer’s source document (i.e., the check) is used to collect the consumer’s routing number, account number, check serial number and dollar amount for the transaction.

CBR

Corporate Cross-Border Entry

Use this code for the transmission of corporate crossborder ACH credit and debit entries. This code allows cross-border payments to be easily identified so that financial institutions can apply special handling requirements for cross-border payments, as desired. The CBR format accommodates detailed information unique to cross-border payments (e.g., foreign exchange conversion, origination and destination currency, country codes, etc.)

CCD

Cash Concentration and Disbursement

This application, Cash Concentration or Disbursement, can be either a credit or debit application where funds are either distributed or consolidated between corporate entities. This application can serve as a standalone funds transfer, or it can support a limited amount of payment related data with the funds transfer.

CIE

Customer-Initiated Entry

Customer Initiated Entries are limited to credit applications where the consumer initiates the transfer of funds to a company for payment of funds owed to that company, typically through some type of home banking product or bill payment service provider.

COR

Automated Notification of Change or
Refused Notification of Change

This Standard Entry Class Code is used by an RDFI or ODFI when originating a Notification of Change or Refused Notification of Change in automated format. It is also used by the ACH operator that converts paper Notifications of Change to automated format.

CTX

Corporate Trade Exchange

The Corporate Trade Exchange application supports the transfer of funds (debit or credit) within a trading partner relationship in which a full ANSI ASC X12 message or payment related UN/EDIFACT information is sent with the funds transfer. The ANSI ASC X12 message or payment-related UN/EDIFACT information is placed in multiple addenda records.

DNE

Death Notification Entry

This application is utilized by a federal government agency (e.g., Social Security Administration) to notify a depository financial institution that the recipient of a government benefit payment has died.

ENR

Automated Enrollment Entry

This optional SEC Code allows a depository financial institution to transmit ACH enrollment information to federal government agencies via the ACH Network for future credit and debit applications on behalf of both consumers and companies.

MTE

Machine Transfer Entry

The ACH Network supports the clearing of transactions from automated teller machines, i.e., Machine Transfer Entries (MTE).

PBR

Consumer Cross-Border Payment

This Standard Entry Class Code is used for the transmission of consumer cross border ACH credit and debit entries. This SEC Code allows cross-border payments to be readily identified so that financial institutions may apply special handling requirements for cross-border payments, as desired. The PBR format accommodates detailed information unique to cross border payments (e.g., foreign exchange conversion, origination and destination currency, country codes, etc.).

POP

Point-of-Purchase Entry

This ACH debit application is used by originators as a method of payment for the in-person purchase of goods or services by consumers. These Single Entry debit entries are initiated by the originator based on a written authorization and account information drawn from the source document (a check) obtained from the consumer at the point-of-purchase. The source document, which is voided by the merchant and returned to the consumer at the point-of-purchase, is used to collect the consumer’s routing number, account number and check serial number that will be used to generate the debit entry to the consumer’s account.

PPD

Prearranged Payment and Deposit Entry

The following options are supported:

Direct Deposit (credit) - Direct deposit is a credit application that transfers funds into a consumer’s account at the Receiving Depository Financial Institution. The funds being deposited can represent a variety of products, such as payroll, interest, pension, dividends, etc.

Preauthorized Bill Payment (debit) - Preauthorized payment is a debit application. Companies with billing operations may participate in the ACH through the electronic transfer (direct debit) of bill payment entries. Through standing authorizations, the consumer grants the company authority to initiate periodic charges to his or her account as bills become due. This concept has met with appreciable success in situations where the recurring bills are regular and do not vary in amount — insurance premiums, mortgage payments, and installment loan payments being the most prominent examples. Standing authorizations have also been successful for bills where the amount does vary, such as utility payments.

POS/SHR

Point-of-Sale Entry/Shared Network Transaction

These two Standard Entry Class Codes represent point of sale debit applications in either a shared (SHR) or non-shared (POS) environment. These transactions are most often initiated by the consumer via a plastic access card.

RCK

Re-Presented Check Entry

A Re-presented Check Entry is a Single Entry ACH debit application used by originators to re-present a check that has been processed through the check collection system and returned because of insufficient or uncollected funds. This method of collection via the ACH Network, compared to the check collection process, provides originators with the potential for improvements to processing efficiency (such as control over timing of the initiation of the debit entry) and decreased costs.

TEL

Telephone-Initiated Entry

This Standard Entry Class Code is used for the origination of a Single Entry debit transaction to a consumer’s account pursuant to an oral authorization obtained from the consumer via the telephone. This type of transaction may only be originated when there is either (1) an existing relationship between the originator and the receiver, or (2) no existing relationship between the originator and the receiver, but the receiver has initiated the telephone call. This SEC Code facilitates access to the ACH Network by providing an alternative authorization method, oral authorization via the telephone, for certain types of consumer debit entries.

TRC/TRX

Truncated Entries

This Standard Entry Class Code is used to identify batches of truncated checks. For more information on check truncation, please see the National Association for Check Safekeeping Guidelines available from NACHA.

XCK

Destroyed Check Entry

This application can be utilized by a collecting institution for the collection of certain checks when those checks have been destroyed.

WEB

Internet-Initiated Entry

This Standard Entry Class Code is used for the origination of debit entries (either Single or Recurring Entry) to a consumer’s account pursuant to an authorization that is obtained from the Receiver via the Internet. This SEC Code helps to address unique risk issues inherent to the Internet payment environment through requirements for added security procedures and obligations.