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ACH Standard Entry Class (SEC) Codes

CodeNameDescriptionAccount/Market TypeTransaction TypeCredit/Debit
ACKAcknowledgment EntriesIdentifies an acknowledgement of receipt by the RDFI of corporate credit payments originated using the CCD format.Non-Consumer
N/A
N/A
ATXFinancial EDI Acknowledgment

Identifies an acknowledgement of receipt by the RDFI of corporate payments originated using CTX format.

Non-Consumer
N/A
N/A
ARCAccounts Receivable EntryA single debit entry to an account initiated for purchases or payments that are made in person, via US mail, or placing the payment in a drop box.
  • Consumer or Non-Consumer
  • Mail Order or Retail
Single EntryDebit Only
BOCBack Office Conversion EntryA single debit entry to an account for in-person purchases or payments made at the point-of purchase.
Check is not returned to check writer.
  • Consumer or Non-Consumer
  • Retail
Single EntryDebit Only
CCDCorporate Credit/Debit EntryFunds are transferred between unrelated corporate entities or transferred as intra-company cash concentration and disbursement transactions.
Proof of Authorization for transactions ran on the web using CCD will adhere to the same requirements as a web transaction.
  • Non-Consumer
  • Retail, Phone Order, Ecommerce, and Mail Order
Single or Recurring EntryCredit/Debit
CIECustomer-Initiated EntryA single credit entry initiated by a consumer (originator) to a non-consumer account. CIE is a consumer-initiated credit entry, a credit push to a merchant, typically used by a financial institution’s or third-party’s bill pay service and would be not be Originated by a merchant.ConsumerSingle EntryCredit Only
COR 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.Consumer or Non-Consumer
N/A
N/A
CTXCorporate Trade ExchangeFunds are transferred between trading partners with a full ANSI ASC X12 message or payment related UN/EDIFACT information is sent with the transfer.
  • Non-Consumer
  • Retail
Single or Recurring EntryCredit/Debit
DNEDeath Notification EntryA non-monetary entry from a Federal Government agency. Notifies the Financial Institution that the recipient of a government benefit has passed away.Consumer
N/A
N/A
ENRAutomated Enrollment EntryA Non-Monetary Entry that triggers the origination of ACH credit or debit transactions to the account holder at the DFI.

The ENR process allows DFIs to transmit information to Federal Government agencies, on behalf of their account holders, that serves as an enrollment for either ACH credit or debit activity.

Non-Consumer (Federal Government Agency)
N/A
N/A
IATInternational ACH TransactionCredit or Debit Entry that is part of a payment transaction which involves a financial agency’s office not located within the territorial jurisdiction of the United States.Consumer or Non-ConsumerSingle or Recurring EntryCredit/Debit
MTEMachine Transfer EntryThe ACH Network supports the clearing of transactions from automated teller machines, i.e., Machine Transfer Entries (MTE).Consumer
Single Entry
Credit/Debit
POPPoint-of-Purchase Entry

A single debit entry to an account for in-person purchases or payments made at the point of purchase. Check is voided by merchant and returned to check writer.

  • Consumer or Non-Consumer
  • Retail
Single EntryDebit Only
PPDPrearranged Payment and Deposit Entry

Credit - A single or recurring credit transaction for payment of payroll, expense reimbursement, dividends, retirement, interest, etc.

Debit - A single or recurring debit transaction for collection of fixed or variable amounts for loan and mortgage payments, utilities, insurance, tuition, contributions, etc.

NOTE: Forte uses this code as the default value for SEC code parameters when REST API and AGI requests do not specify a value.
  • Consumer
  • Mail Order and Retail
Single or Recurring EntryCredit/Debit
RCKRe-Presented Check EntryRe-presentment of check processed through the check collection system for insufficient or uncollected funds. Check returned NSF or uncollected funds represented electronically.
  • Consumer
  • Retail and Mail Order
Single EntryDebit
TELTelephone-Initiated EntryA single or recurring debit transaction initiated orally via the telephone.
  • Consumer
  • Phone Order
Single or Recurring EntryDebit
TRCTruncated Entry

Entry (debit) initiated under a Check Truncation Program.

A single check drawn on paying bank.
Consumer or Non-Consumer
Single Entry
Debit
TRX
Truncated Entries Exchange

Entry (debit) initiated under a Check Truncation Program.

Multiple checks drawn on same paying bank.
Consumer or Non-Consumer
Single Entry
Debit
WEBInternet-Initiated Entry

Credit - A single or recurring credit transaction from the account of a natural person to the account of a natural person. Cannot be used for business-to-consumer transactions.

Debit - A single or recurring debit transaction initiated during a secure (minimum 128-bit encryption) internet or mobile session.

NOTE: This SEC code is the default value for Forte Checkout and Secure Web Pay.
  • Consumer
  • Ecommerce
Single or Recurring EntryCredit or Debit
XCKDestroyed Check EntrySingle entry for collecting lost/destroyed checks, OR a check that is damaged so that a processable image cannot be made OR the check image is un-processable. XCK is for bank use only.Consumer or Non-ConsumerSingle EntryDebit

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