109 descriptors in this category

Bank codes & transfers

ACH descriptors, treasury deposits, and card-payment entries — the machine-readable names banks put on your statement.

08/05 ACH ELECTRONIC DEBIT Automated Clearing House Direct Debit $150.00 06/21 ACHMA VISB BILL PYMNT Verizon Wireless bill payment $89.00 08/04 ALLSTATE Allstate Insurance $19.99 06/07 APPLECARD GSBANK PAYMENT Apple Card bill payment $250.00 08/05 ATM WITHDRAWAL ATM Cash Withdrawal $60.00 08/05 AUTH HOLD Pre-Authorization Hold $1.00 08/05 BALANCE TRANSFER FEE Balance Transfer Fee $50.00 Current BMO ALLPOINT ATM W/D BMO Bank Allpoint Network ATM Withdrawal Cash withdrawal amount Current BMO BANK DEBIT CARD BMO Bank Mastercard Debit Card Purchase Retail purchase amount Current BMO DIGITAL TRANSFER BMO Bank Digital Internal Transfer Transfer amount Current BMO BANK DIRECT DEP BMO Bank Direct Deposit Payroll Credit Payroll credit amount Current BMO HARRIS ACH PMT BMO Bank Automated Clearing House Payment Variable payment amount Current BMO DOMESTIC WIRE FEE BMO Bank Outgoing Domestic Wire Fee $30.00 wire fee 08/01 BREX* BUSINESS CARD Brex Corporate Card Statement Payment $250.00 Current CAPITAL ONE* AUTO PAY Capital One Credit Card Payment $25.00 – Variable 08/05 CARD REPLACEMENT FEE Card Replacement Fee $10.00 08/05 CASH ADVANCE FEE Cash Advance Fee $15.00 06/01 THD/CBNA Citibank retail card entry $95.00 08/05 CHECKCARD Debit Card Purchase $32.10 08/01 CHIME* CREDIT BUILDER Chime Credit Builder Secured Card Allocation $50.00 Current CITIZENS ATM CASH W/D Citizens Bank ATM Cash Withdrawal Cash withdrawal amount Current CITIZENS BANK ACH PMT Citizens Bank Automated Clearing House Payment Variable payment amount Current CITIZENS BANK CHECKCARD Citizens Bank Visa Debit Card Purchase Retail purchase amount Current CITIZENS ONLINE XFR Citizens Bank Online Internal Transfer Transfer amount Current CITIZENS MAINT FEE Citizens Bank Monthly Checking Maintenance Fee $9.99 monthly fee Current CITIZENS OVERDRAFT XFR Citizens Bank Overdraft Protection Transfer Buffer transfer amount Current CKO * REVOLUT TOPUP Revolut Digital Account Card Funding Top-Up Card load transfer Current CKO * WISE PAYMENTS Wise Cross-Border Transfer Card Funding Transfer funding amount 06/02 COMENITY PAY VI WEB PYMT Store credit card payment $75.00 08/01 CREDIT KARMA* MONEY Credit Karma Money Account Transfer / Spend $50.00 Current DISCOVER CARD* E-PAYMENT Discover Credit Card Electronic Payment $35.00 – Variable 06/13 FID BKG SVC LLC MONEYLINE Fidelity Investments transfer $500.00 Current 53 BANK ACH DEBIT Fifth Third Bank Automated Clearing House Debit Variable debit amount Current 53 EARLY PAY DIR DEP Fifth Third Early Pay Payroll Direct Deposit Payroll credit amount Current 53 EXPRESS TRANSFER Fifth Third Real-Time Digital Funds Transfer Transfer amount Current 53 JEANIE ATM WTHDRWL Fifth Third Jeanie ATM Cash Withdrawal Cash withdrawal amount Current 53 SERVICE CHG MAINT Fifth Third Monthly Account Maintenance Fee $11.00 monthly fee Current FIFTH THIRD POS DBT Fifth Third Mastercard Debit Card POS Purchase Retail purchase amount 08/05 FOREIGN TRANS FEE Foreign Transaction Fee $3.50 08/04 GEICO GEICO $19.99 Current HUNTINGTON 24HR GRACE Huntington 24-Hour Grace Overdraft Fee Reversal Fee reversal credit Current HUNTINGTON ATM WTHDRWL Huntington Bank ATM Cash Withdrawal Cash withdrawal amount Current HUNTINGTON DEBIT PUR Huntington Mastercard Debit Card Purchase Retail purchase amount Current HUNTINGTON DIR DEP ACH Huntington Bank Payroll Direct Deposit Payroll credit amount Current HUNTINGTON STANDBY CASH Huntington Standby Cash Line of Credit Transaction Line of credit draw/repayment Current HUNTINGTON VOICE REWARD Huntington Voice Credit Card Reward Statement Credit Cashback statement credit 08/05 INACTIVITY FEE Inactivity Fee $5.00 08/05 INT CHARGE Interest Charge $42.15 07/04 IRS TREAS 310 TAX REF IRS direct deposit (tax refund) +$1,847.00 08/31 IRS USATAXPYMT Internal Revenue Service Tax Payment $300.00 08/01 KIKOFF* CREDIT PLAN Kikoff Credit Builder Plan $5.00 08/05 LATE PAYMENT FEE Late Payment Fee $35.00 08/01 MERCURY* WIRE CHECK Mercury Startup Banking & Wire Transfer $15.00 08/05 MONTHLY MAINT FEE Monthly Maintenance Fee $12.00 Current NFCU ACH DIRECT DEP Navy Federal Direct Deposit Payroll Credit Variable payroll credit Current NFCU CASH WITHDRAWAL ATM Navy Federal ATM Cash Withdrawal Cash withdrawal amount Current NFCU CHECK CARD PURCHASE Navy Federal Visa Debit Card Retail Purchase Variable merchant charge Current NFCU MOBILE XFR SHARE Navy Federal Internal Mobile Share Transfer Variable transfer amount Current NFCU MTG PAYMENT ACH Navy Federal Mortgage Loan Payment Draft Monthly mortgage payment Current NFCU OOP TRANSFER Navy Federal Optional Overdraft Protection Transfer Variable transfer amount Current NFCU WIRE OUTGOING FEE Navy Federal Wire Transfer Processing Fee $14.00 domestic fee 08/01 NOVO* BUSINESS APPS Novo Business Banking & App Integrations $4.99 08/05 NSF FEE Non-Sufficient Funds Service Fee $34.00 08/05 OUT OF NETWORK ATM FEE Out of Network ATM Fee $3.00 08/05 OVER LIMIT FEE Over Limit Fee $35.00 08/05 OVERDRAFT PROTECT TRANSFER Overdraft Protection Transfer $100.00 08/05 PAPER STMT FEE Paper Statement Fee $2.00 08/04 PAYPAL PayPal $19.99 2026-08-10 Pearl Insurance Premium Pearl Insurance Premium $45.00 08/05 PENDING AUTH Pending Authorization $50.00 08/05 PMNT POST Payment Posted $100.00 Current PNC BANK* ONLINE PMT PNC Bank Electronic Payment Variable 08/05 POS DEBIT Debit Card Point of Sale Transaction $45.20 08/04 PROGRESSIVE Progressive Insurance $19.99 08/01 RAMP* EXPENSE CARD Ramp Corporate Card Payment & Expense Platform $150.00 Current REGIONS NON-CUSTOMER ATM Regions Bank Out-of-Network ATM Surcharge $3.00 non-customer fee Current REGIONS BANK ACH DDA Regions Bank ACH Demand Deposit Entry Variable clearing amount Current REGIONS CHECKCARD PUR Regions Visa CheckCard Retail Purchase Merchant purchase amount Current REGIONS NOW CHECK CASH Regions Now Banking Check Cashing Service Fee Service fee amount Current REGIONS INTERNET XFR Regions Online Banking Internal Transfer Transfer amount Current REGIONS OVERDRAFT PAID Regions Bank Overdraft Paid Item Fee $36.00 paid item fee 08/01 RELAY* BUSINESS BANK Relay Business Banking & Relay Pro SaaS $30.00 08/05 RETURN ITEM FEE Returned Item Fee $35.00 Current SCHWAB* BROKERAGE SWEEP Charles Schwab Cash Sweep & Transfer Variable Current SECU VOICE TELE XFR SECU Telephone Banking Share Transfer Internal transfer Current SECU CASHPOINTS ATM W/D SECU CashPoints ATM Cash Withdrawal Cash withdrawal Current SECU FUNDS TRANSFER DR SECU Electronic Funds Transfer Debit Transfer amount Current SECU LOAN PAYMENT DRAFT SECU Consumer Loan Payment Draft Monthly loan payment Current NC SECU SALARY DEP State Employees Credit Union Payroll Direct Deposit Payroll credit Current SECU VISA CHECK CARD SECU Visa Debit Card Retail Purchase Merchant transaction 08/01 SELF FINANCIAL* BUILD Self Financial Credit Builder Loan Payment $35.00 07/13 SSA TREAS 310 XXSOC SEC Social Security payment +$1,412.00 08/04 STATE FARM State Farm Insurance $19.99 08/05 STOP PAYMENT FEE Stop Payment Fee $30.00 06/08 SYNCB/AMAZON PAYMENT Synchrony store card payment $120.00 Current TD BANK ACH DEBIT TD Bank Automated Clearing House Debit Variable debit amount Current TD BANK DIRECT DEP TD Bank Direct Deposit Payroll Credit Payroll credit amount Current TD BANK NON-TD ATM FEE TD Bank Out-of-Network ATM Surcharge $3.00 non-TD fee Current TD LIVE ONLINE XFR TD Bank Online Internal Transfer Transfer amount Current TD BANK OVERDRAFT ADV TD Bank Overdraft Protection Savings Transfer Overdraft advance amount Current TD BANK STOP PMT FEE TD Bank Stop Payment Administrative Fee $30.00 stop payment fee Current TD BANK VISA CHECKCARD TD Bank Visa Debit Card Purchase Retail purchase amount Current TRUIST* ONLINE PMT Truist Bank Electronic Payment Variable 08/31 TX CHILD SUPP Texas Child Support Payment $400.00 Current US BANK* ELEC PMT U.S. Bank Electronic Payment Variable 08/04 VENMO Venmo $19.99 09/14 VISA PROVISIONING SERVICE Digital Wallet Tokenization Preauthorization Hold $0.00 07/12 VZWRLSS*APOCC VISB Verizon Wireless bill payment $142.16 08/05 WIRE TRANSFER FEE Wire Transfer Fee $25.00

About Bank codes & transfers charges

Not all entries on a bank statement are consumer purchases. A significant portion consists of internal transfers, Automated Clearing House (ACH) movements, direct deposits, and inter-bank fees. These transactions are heavily abbreviated and rely on industry-standard codes that are opaque to the average consumer.

ACH transactions are electronic network transfers between financial institutions. When you pay a credit card bill from your checking account, you might see a descriptor like 'ACH PMT' followed by the name of the credit card issuer (e.g., 'CHASE CREDIT CRD'). Conversely, incoming funds like a paycheck or a tax refund will appear as 'DIR DEP' (Direct Deposit) or 'TREAS 310' (an IRS tax refund).

Fees are another common source of frustration. Banks levy charges for overdrafts (often labeled 'NSF FEE' or 'ODP TRANSFER FEE'), monthly account maintenance, wire transfers, and ATM usage. If you use an out-of-network ATM, you may see two separate fees: one from the ATM operator (e.g., 'CARDTRONICS') and a secondary 'NON-NETWORK ATM FEE' assessed by your own bank.

Peer-to-peer (P2P) payment platforms like Venmo, Zelle, and Cash App also generate specific banking descriptors. A transfer to a friend via Zelle might appear simply as 'ZELLE TO JOHN DOE', while funding your Cash App wallet will show as 'CASH APP*TRANSFER'.

Because banking codes represent the movement of actual cash rather than just credit authorizations, they are subject to different regulatory frameworks. Errors in ACH transfers or unauthorized withdrawals fall under Regulation E in the United States, which has strict timelines for reporting and resolving disputes.

Frequently Asked Questions

What does ACH mean on my statement?

ACH stands for Automated Clearing House. It is an electronic network used to process direct deposits, payroll, and automated bill payments between banks in the United States.

Why am I seeing an NSF or Overdraft fee?

NSF (Non-Sufficient Funds) means a transaction was attempted when your account didn't have enough money to cover it. The bank rejected the transaction and charged you a penalty fee.

What is an IRS TREAS 310 charge/deposit?

This is a standard descriptor for a direct deposit from the US Treasury, most commonly indicating an income tax refund, stimulus check, or child tax credit payment.

Disclaimer: UnknownCharges is an independent consumer reference and is not affiliated with any merchant listed in this category. Content is for informational purposes only and does not constitute legal or financial advice.