ACH Standard Entry Classes

Applies to X9Vision?	Applies to X9Validator?	Applies to X9Assist?	| |	Applies to X9.37?	Applies to ACH?	Applies to CPA005?
Yes	Yes	Yes	| |	No	Yes	No

AchValidator/AchAssist supports all ACH Standard Entry Classes. This includes the ability to parse and display these transactions on a record and field basis, as well as to apply all validations that are required for this data. If you have an ACH file, our AchValidator/AchAssist desktop tools can interactively validate the file and give you instant feedback on their content and validity.

A Standard Entry Class Code (SEC Code) identifies a specific payment application. The code incorporates type of payment (debit or credit), account nature (consumer or corporate), and record format used to carry format. Implicit in the code is how authorization is arranged (standing, oral, type of transaction, etc). The list can be broken into three parts: Consumer classes, Corporate classes, and classes that are applicable for both types of accounts.

Consumer transactions are most commonly credits (payroll, retirement, dividend, interest payments, etc). There are also debit applications as well (insurance premiums, mortgage payments, utility payments, etc). Transactions can be a single payment event or recurring.

SEC	Description	Usage
ACK / ATX	Acknowledgement 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	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. The standard entry class for advices must be 225 and the transaction code must be 24 (which represents a zero dollar item).
ARC	Accounts Receivable Entry	This Standard Entry Class Code enables Originators to convert to a SingleEntry ACH debit an eligible check received via the U.S. mail or at a drop box location for the payment of goods or services. The Receiver’s source document (i.e., the check) is used to collect the Receiver’s routing number, account number, check serial number, and dollar amount for the transaction. Authorization for an ARC entry is obtained through notice provided to the Receiver by the payee and the Receiver’s going forward with the transaction.
BOC	Back Office Conversion Entry	This Standard Entry Class Code enables Originators, during back office processing, to convert to a SingleEntry ACH debit an eligible check received at the point of purchase or manned bill payment location for the in person purchase of goods or services. The Receiver’s source document (the check) is used to collect the Receiver’s routing number, account number, check serial number, and dollar amount for the transaction. Authorization for a BOC entry is obtained through notice provided by the Originator at the point of purchase or manned bill payment location and the Receiver’s going forward with the transaction.
CCD	Corporate Credit or Debit	This application can be either a credit or debit application where funds are transferred between unrelated corporate entities, or transmitted as intra-company cash concentration and disbursement transactions. 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, typically to a company for payment of funds owed to that company, through some type of home banking product or bill payment service provider.
COR	Automated Notification of Change or Refused Automated 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. CTX entries may be accompanied by multiple addenda records that may include information such as invoice numbers or other payment related information.
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	ACH enrollment entries originated by a DFI at the request of an account holder at the DFI. Entries are sent to a Federal Government Agency. (See Payment Related Information in this Appendix Two.) These entries can be used for Social Security enrollment.
IAT	International ACH Transaction	This Standard Entry Class Code identifies an ACH credit or debit entry that is part of a payment transaction that involves a financial agency’s office that is not located within the territorial jurisdiction of the United States. These international payments convey specific information defined within the Bank Secrecy Act’s “Travel Rule” to ensure that all parties to the transaction have the information necessary to comply with U.S. law, which includes the programs administered by the Office of Foreign Assets Control (OFAC).
MTE	Machine Transfer Entry	The ACH Network supports the clearing of transactions from Automated Teller Machines. These credit or debit entries initiated at an electronic terminal, as defined in Regulation E, to effect a transfer of funds to or from a deposit account of an Originator; for example, an ATM cash deposit or withdrawal. NOTE: Credit entries so initiated to the accounts of third parties are CIE entries and are to be formatted as such.
POS	Point of Sale Entry	Debit entries initiated at an electronic terminal as defined in Regulation E of The Board of Governors of the Federal Reserve System to pay an obligation incurred in a point-of-sale transaction, or to effect a transfer of funds from a deposit account (for example, a point-of-sale terminal cash withdrawal), and reversing, adjusting, and other credit entries relating to such debit entries, transfer of funds or obligations. POS entries are originated in a non-shared system in which no agreement other than these Rules exists between the ODFI and the RDFI, and in which transactions are typically initiated by use of a merchant issued plastic card.
PPD	Pre-arranged Payment and Deposit Entry	Direct Deposit or Pre-authorized Bill Payment. 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. Pre-authorized 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 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.
POP	Point-of-Purchase Entry	A Single Entry debit used by Originators as a method of payment for the in person purchase of goods or services by Receivers. These SingleEntry debit entries are initiated by the Originator based on a written authorization between the Originator and Receiver and notice provided by the Originator at the point of purchase or manned bill payment location. The source document, which is voided by the merchant and returned to the Receiver at the point of purchase, is used to collect the Receiver’s routing number, account number, and check serial number that will be used to generate the debit entry to the Receiver’s account. This type of entry may only be used for non-recurring, in-person (ie, at the point-of-purchase) entries for which there is no standing authorization with the merchant for the origination of ACH entries to the Receiver’s account.
RCK	Re-presented Check Entry	A represented check entry is a SingleEntry ACH debit application used by Originators to represent 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.
SHR	Shared Network Transaction	Debit entries initiated at an electronic terminal as defined in Regulation E of The Board of Governors of the Federal Reserve System to pay an obligation incurred in a point-of-sale transaction, or to effect a transfer of funds from a deposit account (for example, a point-of-sale terminal cash withdrawal), and reversing, djusting, and other credit entries relating to such debit entries, transfer of funds or obligations. SHR entries are originated in a shared system where an agreement, in addition to these Rules, exists between the ODFI and RDFI, and in which the transactions are typically initiated by the use of a plastic card issued by the Receiver’s DFI.
TEL	Telephone-Initiated Entry	A Single-Entry debit initiated by an Originator pursuant to an oral authorization obtained over the telephone to effect a transfer of funds from a Consumer Account of the Receiver. This type of entry may only be used for a Single Entry for hich there is no standing authorization for the origination of ACH entries to the Receiver’s account. A TEL entry may only be used when there is an Existing Relationship between the originator and the Receiver, or, when there is not an Existing Relationship between the Originator and the Receiver, when the Receiver initiates the telephone call.
TRC / TRX	Truncated Entries	Transactions for truncated checks being safe kept by the keeper bank (Originator) as defined by a check truncation program. The TRX format allows financial institutions to use a single entry to carry information from multiple checks.
WEB	Internet-Initiated Entry	Debit entries initiated by an Originator pursuant to an authorization that is obtained from the Receiver via the Internet to effect a transfer of funds from a Consumer Account of the Receiver. This application class helps to address unique risk issues inherent to the Internet payment environment through requirements for added security procedures and obligations.
XCK	Destroyed Check Entry	Debit entries initiated in the event an item eligible for Article Two, section 2.7 (Destroyed Check Entries) is contained within a cash letter that is lost, destroyed, or otherwise unavailable to and cannot be obtained by the ODFI.