Directory
US Bank Statement Codes
Every US bank processes merchant descriptors differently. Search our directory of major US banks to understand how your specific bank truncates names, formats dates, and handles dispute timelines.
The cryptic lines that show up on Chase credit cards and checking accounts — decoded.
Bank of America statement codesThe cryptic lines on Bank of America credit cards and checking — decoded.
Wells Fargo statement codesThe cryptic lines on Wells Fargo cards and checking — decoded.
Citi statement codesCiti cards and the CBNA retail-store lines — decoded, including SEARS/CBNA and BBY/CBNA.
USAA statement codesThe cryptic lines on USAA statements — including the Verizon pulls military families see most.
Capital One statement codesThe cryptic transaction lines, automatic payments, and merchant tokens on Capital One credit cards and 360 accounts — decoded.
Discover Bank statement codesCryptic billing descriptors, cashback debit deposits, and electronic payment lines on Discover statements — decoded.
U.S. Bank statement codesCryptic transaction codes, loan payments, and merchant settlement memos across U.S. Bancorp statements — decoded.
PNC Bank statement codesDeciphering cryptic descriptors, Virtual Wallet account transfers, and ACH memos on PNC Bank statements.
Truist Bank statement codesCryptic billing descriptors, loan servicing lines, and legacy BB&T/SunTrust transaction memos — decoded.
Goldman Sachs & Marcus statement codesCryptic billing lines, Apple Card monthly installments, and Marcus savings ACH transfers — decoded.
Charles Schwab statement codesBrokerage sweeps, investor checking cash lines, and worldwide ATM fee rebate credits on Charles Schwab statements — decoded.
Fidelity Investments statement codesFID BKG SVC LLC memos, cash management account sweeps, and Fidelity Rewards Visa transactions — decoded.
Navy Federal Credit Union statement codesMilitary payroll direct deposits, share transfers, and NFCU debit card transactions — decoded.
Regions Bank statement codesLifeGreen checking account transactions, Now Banking fees, and Regions CheckCard charges — decoded.
Fifth Third Bank statement codesMomentum checking account entries, Jeanie ATM network withdrawals, and Early Pay deposits — decoded.
Citizens Bank statement codesOne Deposit checking entries, Peace of Mind overdraft transfers, and Citizens CheckCard descriptors — decoded.
Huntington National Bank statement codesAsterisk-Free checking clearing items, 24-Hour Grace period adjustments, and Standby Cash drafts — decoded.
TD Bank statement codesBeyond checking account entries, cross-border debit transactions, and out-of-network ATM fees — decoded.
State Employees' Credit Union statement codesNorth Carolina State Employees Credit Union CashPoints withdrawals, salary deposits, and share draft lines — decoded.
BMO Bank statement codesSmart Advantage checking entries, legacy BMO Harris debit items, and Allpoint ATM lines — decoded.
Why does the bank matter?
A charge descriptor is a string of text sent by a merchant's payment processor. However, how that text appears on your statement depends entirely on your bank's software.
- Character Limits: Some banks (like TD Bank or PNC) aggressively truncate long names to fit 22-character limits.
- Location Data: Chase and Wells Fargo often append city and state codes (e.g.,
*NY) directly to the merchant string. - Digital Wallets: Banks handle Apple Pay and Google Pay prefixes differently—some pass the raw token, while others clean it up.
Select your bank from the directory above to read our specific guidance on reading their statements and navigating their internal dispute processes.
This directory is for informational purposes only and does not constitute financial advice. We have no affiliation with any of these banks. When in doubt, contact your bank directly.