{ "id": "nacha-sec", "name": "SEC", "fullName": "ACH Standard Entry Class codes", "standard": "Nacha Operating Rules (ACH, United States)", "agency": "Nacha", "source": { "name": "Nacha Operating Rules 2025 — Appendix Three, subpart 3.2.2 (Standard Entry Class Code)", "url": "https://nachaoperatingrulesonline.org/assets/attachments/25_basic_appendixes.pdf", "version": "Nacha Operating Rules 2025 (Basic Edition appendixes)" }, "additionalSources": [ { "name": "Federal Reserve Financial Services — IAT FAQ (IAT replaced CBR and PBR)", "url": "https://www.frbservices.org/resources/financial-services/ach/faq/iat.html" }, { "name": "US Treasury — Green Book, chapter 6 (federal ACH entries)", "url": "https://www.fiscal.treasury.gov/files/reference-guidance/green-book/greenbook-chapter6.pdf" }, { "name": "Nacha — ISO 20022 guide to camt.053 returns", "url": "https://www.nacha.org/system/files/2023-08/NACHA_ISO20022_Guide_camt.053_returns%2008-09-23.pdf" } ], "provenanceNote": "There are exactly 23 SEC codes. Two things you will read elsewhere are wrong: that Nacha allows only 13 (a mistaken sentence in a widely-copied article, contradicted by that same article's own table), and that CBR and PBR still exist (they were replaced by IAT). Two official titles are also routinely published wrong: TRC is \"Check Truncation Entry\", not \"Truncated Entry\", and ACK is \"ACH Payment Acknowledgment\". The Nacha Rules book is sold and was not purchased: the list was checked against the appendixes Nacha publishes free, the Federal Reserve and the US Treasury Green Book.", "license": "CC-BY-4.0", "lastVerified": "2026-07-12", "count": 23, "codes": [ { "code": "PPD", "name": "Prearranged Payment and Deposit Entry", "note": "The backbone of consumer ACH: payroll direct deposit (credit) and preauthorized recurring debits such as a utility bill. Debits need a written or similarly authenticated authorization.", "group": "consumer", "direction": "both", "sources": [ "https://nachaoperatingrulesonline.org/assets/attachments/25_basic_appendixes.pdf", "https://www.nacha.org/system/files/2023-08/NACHA_ISO20022_Guide_camt.053_returns%2008-09-23.pdf" ] }, { "code": "WEB", "name": "Internet-Initiated/Mobile Entry", "note": "Consumer debit authorized through a website or mobile app, plus person-to-person credits. Since March 2022 the Originator must validate the account before the first debit of a series and run commercially reasonable fraud detection.", "group": "consumer", "direction": "both", "sources": [ "https://nachaoperatingrulesonline.org/assets/attachments/25_basic_appendixes.pdf", "https://www.nacha.org/rules/meaningful-modernization" ] }, { "code": "TEL", "name": "Telephone-Initiated Entry", "note": "Consumer debit authorized orally over the phone. Debits only — credits are not allowed. The Originator must record the authorization or send the consumer a written confirmation.", "group": "consumer", "direction": "debit", "sources": [ "https://nachaoperatingrulesonline.org/assets/attachments/25_basic_appendixes.pdf", "https://www.nacha.org/rules/meaningful-modernization" ] }, { "code": "CIE", "name": "Customer Initiated Entry", "note": "A credit the consumer pushes to a business, typically from a bank bill-pay service. The consumer, not the biller, starts it.", "group": "consumer", "direction": "credit", "sources": [ "https://nachaoperatingrulesonline.org/assets/attachments/25_basic_appendixes.pdf", "https://www.nacha.org/system/files/2023-08/NACHA_ISO20022_Guide_camt.053_returns%2008-09-23.pdf" ] }, { "code": "MTE", "name": "Machine Transfer Entry", "note": "Entry originating from an ATM. Largely historical: ATM activity now settles over card networks.", "group": "consumer", "direction": "both", "sources": [ "https://nachaoperatingrulesonline.org/assets/attachments/25_basic_appendixes.pdf", "https://www.nacha.org/system/files/2023-08/NACHA_ISO20022_Guide_camt.053_returns%2008-09-23.pdf" ] }, { "code": "POS", "name": "Point-of-Sale Entry", "note": "Card-initiated entry at an electronic terminal, non-shared environment. Largely historical.", "group": "consumer", "direction": "both", "sources": [ "https://nachaoperatingrulesonline.org/assets/attachments/25_basic_appendixes.pdf", "https://www.nacha.org/system/files/2023-08/NACHA_ISO20022_Guide_camt.053_returns%2008-09-23.pdf" ] }, { "code": "SHR", "name": "Shared Network Transaction", "note": "The shared-network counterpart of POS. Largely historical.", "group": "consumer", "direction": "both", "sources": [ "https://nachaoperatingrulesonline.org/assets/attachments/25_basic_appendixes.pdf", "https://www.nacha.org/system/files/2023-08/NACHA_ISO20022_Guide_camt.053_returns%2008-09-23.pdf" ] }, { "code": "CCD", "name": "Corporate Credit or Debit Entry", "note": "The B2B workhorse: vendor payments and cash concentration between a company's own accounts. An unauthorized return (R29) is due by the opening of the second banking day — not the 60 days a consumer gets.", "group": "business", "direction": "both", "sources": [ "https://nachaoperatingrulesonline.org/assets/attachments/25_basic_appendixes.pdf", "https://www.nacha.org/system/files/2023-08/NACHA_ISO20022_Guide_camt.053_returns%2008-09-23.pdf" ] }, { "code": "CTX", "name": "Corporate Trade Exchange", "note": "B2B payment carrying structured EDI remittance data (ANSI ASC X12), so the receiver can reconcile the invoices it pays. Supports up to 9,999 addenda records — this is what CCD cannot do.", "group": "business", "direction": "both", "sources": [ "https://nachaoperatingrulesonline.org/assets/attachments/25_basic_appendixes.pdf", "https://www.nacha.org/system/files/2023-08/NACHA_ISO20022_Guide_camt.053_returns%2008-09-23.pdf" ] }, { "code": "ARC", "name": "Accounts Receivable Entry", "note": "A cheque received by mail or in a drop box, converted into a one-off ACH debit. Debits only.", "group": "check", "direction": "debit", "sources": [ "https://nachaoperatingrulesonline.org/assets/attachments/25_basic_appendixes.pdf", "https://www.nacha.org/system/files/2023-08/NACHA_ISO20022_Guide_camt.053_returns%2008-09-23.pdf" ] }, { "code": "BOC", "name": "Back Office Conversion Entry", "note": "A cheque taken in person at the till, then converted to an ACH debit in the back office. Debits only.", "group": "check", "direction": "debit", "sources": [ "https://nachaoperatingrulesonline.org/assets/attachments/25_basic_appendixes.pdf", "https://www.nacha.org/system/files/2023-08/NACHA_ISO20022_Guide_camt.053_returns%2008-09-23.pdf" ] }, { "code": "POP", "name": "Point-of-Purchase Entry", "note": "A cheque converted at the counter in front of the customer and handed straight back. One-off debits only.", "group": "check", "direction": "debit", "sources": [ "https://nachaoperatingrulesonline.org/assets/attachments/25_basic_appendixes.pdf", "https://www.nacha.org/system/files/2023-08/NACHA_ISO20022_Guide_camt.053_returns%2008-09-23.pdf" ] }, { "code": "RCK", "name": "Re-presented Check Entry", "note": "A bounced cheque (insufficient or uncollected funds) re-presented electronically instead of on paper.", "group": "check", "direction": "debit", "sources": [ "https://nachaoperatingrulesonline.org/assets/attachments/25_basic_appendixes.pdf", "https://www.nacha.org/system/files/2023-08/NACHA_ISO20022_Guide_camt.053_returns%2008-09-23.pdf" ] }, { "code": "XCK", "name": "Destroyed Check Entry", "note": "Collection of a cheque that was lost, destroyed or cannot be imaged. Exceptional use.", "group": "check", "direction": "debit", "sources": [ "https://nachaoperatingrulesonline.org/assets/attachments/25_basic_appendixes.pdf", "https://www.nacha.org/system/files/2023-08/NACHA_ISO20022_Guide_camt.053_returns%2008-09-23.pdf" ] }, { "code": "TRC", "name": "Check Truncation Entry", "note": "A single cheque collected under a truncation programme. Largely superseded by Check 21 image exchange. Note the official title is \"Check Truncation Entry\" — most published lists get this one wrong.", "group": "check", "direction": "debit", "sources": [ "https://nachaoperatingrulesonline.org/assets/attachments/25_basic_appendixes.pdf", "https://www.nacha.org/system/files/2023-08/NACHA_ISO20022_Guide_camt.053_returns%2008-09-23.pdf" ] }, { "code": "TRX", "name": "Check Truncation Entries Exchange", "note": "The multiple-cheque counterpart of TRC, carrying the truncated items in addenda records.", "group": "check", "direction": "debit", "sources": [ "https://nachaoperatingrulesonline.org/assets/attachments/25_basic_appendixes.pdf", "https://www.nacha.org/system/files/2023-08/NACHA_ISO20022_Guide_camt.053_returns%2008-09-23.pdf" ] }, { "code": "IAT", "name": "International ACH Transaction", "note": "Any entry where part of the payment chain sits outside US jurisdiction. Its mandatory addenda carry the parties' details so the RDFI can meet OFAC screening obligations. IAT replaced the former CBR and PBR codes, which no longer exist.", "group": "international", "direction": "both", "sources": [ "https://nachaoperatingrulesonline.org/assets/attachments/25_basic_appendixes.pdf", "https://www.frbservices.org/resources/financial-services/ach/faq/iat.html" ] }, { "code": "COR", "name": "Notification of Change or Refused Notification of Change", "note": "The zero-dollar entry that carries a NOC change code (C01…) — the RDFI asking for corrected data, or the ODFI refusing that request. It is not a rejection: the original payment was posted.", "group": "nonMonetary", "sources": [ "https://nachaoperatingrulesonline.org/assets/attachments/25_basic_appendixes.pdf", "https://www.fiscal.treasury.gov/files/reference-guidance/green-book/greenbook-chapter6.pdf" ] }, { "code": "ACK", "name": "ACH Payment Acknowledgment", "note": "Zero-dollar acknowledgment sent by the RDFI confirming it received a CCD credit. Optional, and requires prior agreement between the parties.", "group": "nonMonetary", "sources": [ "https://nachaoperatingrulesonline.org/assets/attachments/25_basic_appendixes.pdf", "https://www.nacha.org/system/files/2023-08/NACHA_ISO20022_Guide_camt.053_returns%2008-09-23.pdf" ] }, { "code": "ATX", "name": "Financial EDI Acknowledgment", "note": "The CTX counterpart of ACK: a zero-dollar acknowledgment that a CTX credit was received.", "group": "nonMonetary", "sources": [ "https://nachaoperatingrulesonline.org/assets/attachments/25_basic_appendixes.pdf", "https://www.nacha.org/system/files/2023-08/NACHA_ISO20022_Guide_camt.053_returns%2008-09-23.pdf" ] }, { "code": "ADV", "name": "Automated Accounting Advice", "note": "A zero-dollar accounting advice produced by the ACH Operator itself — not by a bank — to give participating institutions machine-readable settlement information. It uses its own record layout.", "group": "nonMonetary", "sources": [ "https://nachaoperatingrulesonline.org/assets/attachments/25_basic_appendixes.pdf", "https://www.nacha.org/system/files/2023-08/NACHA_ISO20022_Guide_camt.053_returns%2008-09-23.pdf" ] }, { "code": "DNE", "name": "Death Notification Entry", "note": "A federal agency notifying an RDFI that a benefit recipient has died. Only the federal government may originate it.", "group": "nonMonetary", "sources": [ "https://nachaoperatingrulesonline.org/assets/attachments/25_basic_appendixes.pdf", "https://www.fiscal.treasury.gov/files/reference-guidance/green-book/greenbook-chapter6.pdf" ] }, { "code": "ENR", "name": "Automated Enrollment Entry", "note": "A financial institution enrolling a customer in a federal agency's direct deposit or direct payment programme, on that customer's behalf.", "group": "nonMonetary", "sources": [ "https://nachaoperatingrulesonline.org/assets/attachments/25_basic_appendixes.pdf", "https://www.fiscal.treasury.gov/files/reference-guidance/green-book/greenbook-chapter6.pdf" ] } ] }