168 descriptors in this category
Bank codes & transfers
ACH descriptors, treasury deposits, and card-payment entries — the machine-readable names banks put on your statement.
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08/05 ACH ELECTRONIC DEBIT Corroborated interpretation: Automated Clearing House Direct Debit $150.00 09/16 ACH HOLD Unconfirmed interpretation: ACH-related bank label; exact hold status and originator not established $210.00 06/21 ACHMA VISB BILL PYMNT Unconfirmed interpretation: Possible Verizon bill payment; exact code unconfirmed $89.00 09/16 ACORNS GROW INC Unconfirmed interpretation: Possible Acorns fee or investment transfer; exact entry unconfirmed $3.00 07/03 AGRI TREAS 310 Unconfirmed interpretation: U.S. Department of Agriculture payment (farm program, loan, or disaster assistance) +$4,150.00 09/14 ALBERT CORP Unconfirmed interpretation: Albert financial app subscription $14.99 08/04 ALLSTATE Unconfirmed interpretation: Allstate Insurance $19.99 09/16 ALLY INVEST SEC Unconfirmed interpretation: Ally Invest brokerage transfer $300.00 08/01 ANNUAL FEE Unconfirmed interpretation: A credit card's yearly charge for keeping the account and its perks $95.00 06/07 APPLECARD GSBANK PAYMENT Unconfirmed interpretation: Possible Apple Card balance payment $250.00 08/05 ATM WITHDRAWAL Unconfirmed interpretation: ATM Cash Withdrawal $60.00 08/05 AUTH HOLD Unconfirmed interpretation: Pre-Authorization Hold $1.00 08/05 BALANCE TRANSFER FEE Unconfirmed interpretation: Balance Transfer Fee $50.00 09/16 BETTERMENT LLC Unconfirmed interpretation: Betterment robo-advisory deposit $150.00 09/01 BILT TECHNOLOGIES Unconfirmed interpretation: Bilt Rewards rent payment $1,850.00 Current BMO ALLPOINT ATM W/D Unconfirmed interpretation: BMO Bank Allpoint Network ATM Withdrawal Cash withdrawal amount Current BMO BANK DEBIT CARD Unconfirmed interpretation: BMO Bank Mastercard Debit Card Purchase Retail purchase amount Current BMO DIGITAL TRANSFER Unconfirmed interpretation: BMO Bank Digital Internal Transfer Transfer amount Current BMO BANK DIRECT DEP Unconfirmed interpretation: BMO Bank Direct Deposit Payroll Credit Payroll credit amount Current BMO HARRIS ACH PMT Unconfirmed interpretation: BMO Bank Automated Clearing House Payment Variable payment amount Current BMO DOMESTIC WIRE FEE Unconfirmed interpretation: BMO Bank Outgoing Domestic Wire Fee $30.00 wire fee 08/01 BREX* BUSINESS CARD Unconfirmed interpretation: Brex Corporate Card Statement Payment $250.00 09/12 BRIGIT PLUS Unconfirmed interpretation: Brigit cash advance app $9.99 Current CAPITAL ONE* AUTO PAY Unconfirmed interpretation: Capital One Credit Card Payment $25.00 – Variable 08/05 CARD REPLACEMENT FEE Unconfirmed interpretation: Card Replacement Fee $10.00 08/05 CASH ADVANCE FEE Unconfirmed interpretation: Cash Advance Fee $15.00 07/09 CASHIER'S CHECK FEE Unconfirmed interpretation: Your bank's charge for issuing an official check guaranteed by the bank $10.00 06/01 THD/CBNA Unconfirmed interpretation: Possible Home Depot credit-account record; context required $95.00 08/05 CHECKCARD Corroborated interpretation: Likely a debit card purchase from your checking account (bank label, not a merchant) $32.10 08/28 CHILD SUPPORT DEPOSIT Unconfirmed interpretation: Child-support disbursement from the State Disbursement Unit +$540.00 08/01 CHIME* CREDIT BUILDER Unconfirmed interpretation: Chime Credit Builder Secured Card Allocation $50.00 Current CITIZENS ATM CASH W/D Unconfirmed interpretation: Citizens Bank ATM Cash Withdrawal Cash withdrawal amount Current CITIZENS BANK ACH PMT Unconfirmed interpretation: Citizens Bank Automated Clearing House Payment Variable payment amount Current CITIZENS BANK CHECKCARD Unconfirmed interpretation: Citizens Bank Visa Debit Card Purchase Retail purchase amount Current CITIZENS ONLINE XFR Unconfirmed interpretation: Citizens Bank Online Internal Transfer Transfer amount Current CITIZENS MAINT FEE Unconfirmed interpretation: Citizens Bank Monthly Checking Maintenance Fee $9.99 monthly fee Current CITIZENS OVERDRAFT XFR Unconfirmed interpretation: Citizens Bank Overdraft Protection Transfer Buffer transfer amount Current CKO * REVOLUT TOPUP Unconfirmed interpretation: Revolut Digital Account Card Funding Top-Up Card load transfer Current CKO * WISE PAYMENTS Unconfirmed interpretation: Wise Cross-Border Transfer Card Funding Transfer funding amount 06/02 COMENITY PAY VI WEB PYMT Unconfirmed interpretation: Store credit card payment $75.00 08/06 CONVENIENCE FEE Unconfirmed interpretation: A merchant's flat charge for paying through a non-standard channel $3.95 08/02 COUNTER CREDIT Unconfirmed interpretation: An in-person deposit of cash or a check made at a bank branch counter $300.00 08/11 CREDIT CARD SURCHARGE Unconfirmed interpretation: A merchant's percentage add-on for paying by credit card $2.40 08/01 CREDIT KARMA* MONEY Unconfirmed interpretation: Credit Karma Money Account Transfer / Spend $50.00 09/17 CURRENT PLATFORM Unconfirmed interpretation: Current mobile banking transfer $35.00 09/15 DAVE INC Unconfirmed interpretation: Dave banking app $1.00 07/12 DFEC TREAS 310 Unconfirmed interpretation: U.S. Department of Labor federal workers' compensation payment (FECA) +$1,930.00 Current DISCOVER CARD* E-PAYMENT Corroborated interpretation: Likely a bank-account payment toward a Discover credit card balance $35.00 – Variable 06/18 DOEP TREAS 310 Unconfirmed interpretation: U.S. Department of Education payment (student-loan refund, discharge, or overpayment return) +$3,410.00 09/14 EARNIN ACTIVEHRS Unconfirmed interpretation: EarnIn paycheck advance $100.00 09/18 ELAN FINANCIAL SVC Unconfirmed interpretation: Elan Financial Services (U.S. Bancorp) $125.00 09/16 EMPOWER PFC Unconfirmed interpretation: Empower (Personal Capital) wealth management $185.00 09/16 E*TRADE SEC LLC Unconfirmed interpretation: E*TRADE (Morgan Stanley) brokerage transfer $500.00 08/03 EXCESS ACTIVITY FEE Unconfirmed interpretation: A fee for exceeding your bank's monthly savings transfer or withdrawal limit $5.00 08/07 EXTERNAL TRANSFER Unconfirmed interpretation: An ACH transfer of money between your account and one at another bank $250.00 06/28 FEMA TREAS 310 Unconfirmed interpretation: Federal Emergency Management Agency disaster-assistance payment +$770.00 06/13 FID BKG SVC LLC MONEYLINE Unconfirmed interpretation: Fidelity Investments transfer $500.00 Current 53 BANK ACH DEBIT Unconfirmed interpretation: Fifth Third Bank Automated Clearing House Debit Variable debit amount Current 53 EARLY PAY DIR DEP Unconfirmed interpretation: Fifth Third Early Pay Payroll Direct Deposit Payroll credit amount Current 53 EXPRESS TRANSFER Unconfirmed interpretation: Fifth Third Real-Time Digital Funds Transfer Transfer amount Current 53 JEANIE ATM WTHDRWL Unconfirmed interpretation: Fifth Third Jeanie ATM Cash Withdrawal Cash withdrawal amount Current 53 SERVICE CHG MAINT Unconfirmed interpretation: Fifth Third Monthly Account Maintenance Fee $11.00 monthly fee Current FIFTH THIRD POS DBT Unconfirmed interpretation: Fifth Third Mastercard Debit Card POS Purchase Retail purchase amount 08/05 FOREIGN TRANS FEE Unconfirmed interpretation: Foreign Transaction Fee $3.50 05/18 FOREIGN TRANSACTION FEE Unconfirmed interpretation: Your card issuer's fee for a non-U.S. currency or cross-border purchase $3.42 09/15 FUNDRISE LLC Unconfirmed interpretation: Fundrise real estate investment deposit $100.00 08/04 GEICO Unconfirmed interpretation: GEICO $19.99 09/10 GO2BANK*MONTHLY Unconfirmed interpretation: GO2bank monthly fee (Green Dot Bank) $5.00 Current HUNTINGTON 24HR GRACE Unconfirmed interpretation: Huntington 24-Hour Grace Overdraft Fee Reversal Fee reversal credit Current HUNTINGTON ATM WTHDRWL Unconfirmed interpretation: Huntington Bank ATM Cash Withdrawal Cash withdrawal amount Current HUNTINGTON DEBIT PUR Unconfirmed interpretation: Huntington Mastercard Debit Card Purchase Retail purchase amount Current HUNTINGTON DIR DEP ACH Unconfirmed interpretation: Huntington Bank Payroll Direct Deposit Payroll credit amount Current HUNTINGTON STANDBY CASH Unconfirmed interpretation: Huntington Standby Cash Line of Credit Transaction Line of credit draw/repayment Current HUNTINGTON VOICE REWARD Unconfirmed interpretation: Huntington Voice Credit Card Reward Statement Credit Cashback statement credit 08/05 INACTIVITY FEE Unconfirmed interpretation: Inactivity Fee $5.00 08/14 INSTALLMENT PLAN Unconfirmed interpretation: A monthly payment on a card purchase split through the issuer's pay-over-time feature $83.34 08/05 INT CHARGE Unconfirmed interpretation: Interest Charge $42.15 09/16 INTERACTIVE BRKRS Unconfirmed interpretation: Interactive Brokers trading / data fee $10.00 09/22 INTEREST CHARGE ON PURCHASES Unconfirmed interpretation: Finance charge on the purchase balance you carried past the due date $27.63 06/02 INTL SERVICE ASSESSMENT FEE Unconfirmed interpretation: Visa/Mastercard cross-border network assessment passed through by your issuer $1.05 07/04 IRS TREAS 310 TAX REF IRS direct deposit (tax refund) +$1,847.00 08/31 IRS USATAXPYMT Unconfirmed interpretation: Internal Revenue Service Tax Payment $300.00 08/01 KIKOFF* CREDIT PLAN Unconfirmed interpretation: Kikoff Credit Builder Plan $5.00 08/05 LATE PAYMENT FEE Unconfirmed interpretation: Late Payment Fee $35.00 09/16 M1 FINANCE LLC Unconfirmed interpretation: M1 Finance investment / platform fee $3.00 08/01 MERCURY* WIRE CHECK Unconfirmed interpretation: Mercury Startup Banking & Wire Transfer $15.00 09/16 MERRILL LYNCH Unconfirmed interpretation: Merrill Edge / Merrill Lynch brokerage transfer $1,000.00 07/01 MINIMUM BALANCE FEE Unconfirmed interpretation: A fee for letting your account balance fall below the required minimum $10.00 08/04 MOBILE DEPOSIT Unconfirmed interpretation: A credit from a check deposited through your bank's mobile app $420.00 08/05 MONTHLY MAINT FEE Unconfirmed interpretation: Monthly Maintenance Fee $12.00 07/01 MONTHLY MAINTENANCE FEE Unconfirmed interpretation: Your bank's flat monthly charge for keeping the account open $12.00 09/08 NETSPEND CORP Unconfirmed interpretation: Netspend prepaid debit card fee $9.95 Current NFCU ACH DIRECT DEP Unconfirmed interpretation: Navy Federal Direct Deposit Payroll Credit Variable payroll credit Current NFCU CASH WITHDRAWAL ATM Unconfirmed interpretation: Navy Federal ATM Cash Withdrawal Cash withdrawal amount Current NFCU CHECK CARD PURCHASE Unconfirmed interpretation: Navy Federal Visa Debit Card Retail Purchase Variable merchant charge Current NFCU MOBILE XFR SHARE Unconfirmed interpretation: Navy Federal Internal Mobile Share Transfer Variable transfer amount Current NFCU MTG PAYMENT ACH Unconfirmed interpretation: Navy Federal Mortgage Loan Payment Draft Monthly mortgage payment Current NFCU OOP TRANSFER Unconfirmed interpretation: Navy Federal Optional Overdraft Protection Transfer Variable transfer amount Current NFCU WIRE OUTGOING FEE Unconfirmed interpretation: Navy Federal Wire Transfer Processing Fee $14.00 domestic fee 08/01 NOVO* BUSINESS APPS Unconfirmed interpretation: Novo Business Banking & App Integrations $4.99 08/05 NSF FEE Unconfirmed interpretation: Non-Sufficient Funds Service Fee $34.00 08/05 OUT OF NETWORK ATM FEE Unconfirmed interpretation: Out of Network ATM Fee $3.00 08/05 OVER LIMIT FEE Unconfirmed interpretation: Over Limit Fee $35.00 06/12 OVERDRAFT FEE Unconfirmed interpretation: A penalty your bank charges for paying a transaction your balance could not cover $35.00 08/05 OVERDRAFT PROTECT TRANSFER Unconfirmed interpretation: Overdraft Protection Transfer $100.00 09/11 OVERDRAFT PROTECTION TRANSFER Unconfirmed interpretation: An automatic transfer from your linked account to cover a checking shortfall $150.00 07/15 PAPER STATEMENT FEE Unconfirmed interpretation: A monthly charge for receiving statements by mail instead of electronically $3.00 08/05 PAPER STMT FEE Unconfirmed interpretation: Paper Statement Fee $2.00 08/04 PAYPAL Unconfirmed interpretation: PayPal $19.99 2026-08-10 Pearl Insurance Premium Unconfirmed interpretation: Pearl Insurance Premium $45.00 08/05 PENDING AUTH Unconfirmed interpretation: Pending Authorization $50.00 09/19 PENDING AUTHORIZATION HOLD Unconfirmed interpretation: A temporary hold reserving funds until a card purchase settles $75.00 08/05 PMNT POST Unconfirmed interpretation: Payment Posted $100.00 Current PNC BANK* ONLINE PMT Unconfirmed interpretation: PNC Bank Electronic Payment Variable 08/05 POS DEBIT Corroborated interpretation: Debit Card Point of Sale Transaction $45.20 09/05 PREAUTHORIZED WD Unconfirmed interpretation: Possible preauthorized-withdrawal label; consent and originator unconfirmed $84.31 08/04 PROGRESSIVE Unconfirmed interpretation: Progressive Insurance $19.99 08/14 PROVISIONAL CREDIT Unconfirmed interpretation: A temporary, conditional refund posted while your bank investigates a dispute +$248.00 08/01 RAMP* EXPENSE CARD Unconfirmed interpretation: Ramp Corporate Card Payment & Expense Platform $150.00 09/03 RECURRING PAYMENT AUTHORIZED ON Unconfirmed interpretation: Recurring-payment label; consent, merchant and date interpretation unconfirmed $19.99 Current REGIONS NON-CUSTOMER ATM Unconfirmed interpretation: Regions Bank Out-of-Network ATM Surcharge $3.00 non-customer fee Current REGIONS BANK ACH DDA Unconfirmed interpretation: Regions Bank ACH Demand Deposit Entry Variable clearing amount Current REGIONS CHECKCARD PUR Unconfirmed interpretation: Regions Visa CheckCard Retail Purchase Merchant purchase amount Current REGIONS NOW CHECK CASH Unconfirmed interpretation: Regions Now Banking Check Cashing Service Fee Service fee amount Current REGIONS INTERNET XFR Unconfirmed interpretation: Regions Online Banking Internal Transfer Transfer amount Current REGIONS OVERDRAFT PAID Unconfirmed interpretation: Regions Bank Overdraft Paid Item Fee $36.00 paid item fee 08/01 RELAY* BUSINESS BANK Unconfirmed interpretation: Relay Business Banking & Relay Pro SaaS $30.00 08/05 RETURN ITEM FEE Unconfirmed interpretation: Returned Item Fee $35.00 07/09 RETURNED ITEM FEE Unconfirmed interpretation: Your bank's fee for a deposited check or payment that bounced back unpaid $12.00 09/01 RRB TREAS 310 Unconfirmed interpretation: Railroad Retirement Board annuity direct deposit +$2,145.00 06/22 SBAD TREAS 310 Unconfirmed interpretation: U.S. Small Business Administration disbursement (disaster loan or advance) +$2,000.00 Current SCHWAB* BROKERAGE SWEEP Unconfirmed interpretation: Charles Schwab Cash Sweep & Transfer Variable Current SECU VOICE TELE XFR Unconfirmed interpretation: SECU Telephone Banking Share Transfer Internal transfer Current SECU CASHPOINTS ATM W/D Unconfirmed interpretation: SECU CashPoints ATM Cash Withdrawal Cash withdrawal Current SECU FUNDS TRANSFER DR Unconfirmed interpretation: SECU Electronic Funds Transfer Debit Transfer amount Current SECU LOAN PAYMENT DRAFT Unconfirmed interpretation: SECU Consumer Loan Payment Draft Monthly loan payment Current NC SECU SALARY DEP Unconfirmed interpretation: State Employees Credit Union Payroll Direct Deposit Payroll credit Current SECU VISA CHECK CARD Unconfirmed interpretation: SECU Visa Debit Card Retail Purchase Merchant transaction 08/01 SELF FINANCIAL* BUILD Unconfirmed interpretation: Self Financial Credit Builder Loan Payment $35.00 08/05 SOFI BANK DEPOSIT Unconfirmed interpretation: An incoming deposit or transfer credited to your SoFi Bank account +$1,240.00 07/13 SSA TREAS 310 XXSOC SEC Unconfirmed interpretation: Possible Social Security benefit deposit; verify credit direction +$1,412.00 09/16 STASH FINANCIAL Unconfirmed interpretation: Stash micro-investing subscription $3.00 08/04 STATE FARM Corroborated interpretation: Likely a State Farm insurance bill payment; exact descriptor unconfirmed $19.99 03/21 STATE TAX REFUND Unconfirmed interpretation: State income-tax refund direct deposit +$612.00 08/05 STOP PAYMENT FEE Unconfirmed interpretation: Stop Payment Fee $30.00 06/08 SYNCB/AMAZON PAYMENT Unconfirmed interpretation: Synchrony store card payment $120.00 04/11 TCS TREAS 449 Unconfirmed interpretation: Federal payment reduced by a Treasury Offset Program debt collection +$326.00 Current TD BANK ACH DEBIT Unconfirmed interpretation: TD Bank Automated Clearing House Debit Variable debit amount Current TD BANK DIRECT DEP Unconfirmed interpretation: TD Bank Direct Deposit Payroll Credit Payroll credit amount Current TD BANK NON-TD ATM FEE Unconfirmed interpretation: TD Bank Out-of-Network ATM Surcharge $3.00 non-TD fee Current TD LIVE ONLINE XFR Unconfirmed interpretation: TD Bank Online Internal Transfer Transfer amount Current TD BANK OVERDRAFT ADV Unconfirmed interpretation: TD Bank Overdraft Protection Savings Transfer Overdraft advance amount Current TD BANK STOP PMT FEE Unconfirmed interpretation: TD Bank Stop Payment Administrative Fee $30.00 stop payment fee Current TD BANK VISA CHECKCARD Unconfirmed interpretation: TD Bank Visa Debit Card Purchase Retail purchase amount 07/18 TREASURY DIRECT Unconfirmed interpretation: A transfer between your bank and your TreasuryDirect securities account $1,000.00 Current TRUIST* ONLINE PMT Unconfirmed interpretation: Truist Bank Electronic Payment Variable 08/31 TX CHILD SUPP Unconfirmed interpretation: Texas Child Support Payment $400.00 02/14 UI BENEFIT PAYMENT Unconfirmed interpretation: State unemployment insurance benefit deposit +$487.00 Current US BANK* ELEC PMT Unconfirmed interpretation: U.S. Bank Electronic Payment Variable 05/09 36 TREAS 310 MISC PAY Unconfirmed interpretation: Miscellaneous federal government ACH payment +$948.00 09/02 VACP TREAS 310 Unconfirmed interpretation: VA disability compensation or pension direct deposit +$1,732.00 09/16 VARO BANK N.A. Unconfirmed interpretation: Varo Bank electronic transfer $50.00 08/04 VENMO Unconfirmed interpretation: Venmo $19.99 09/14 VISA PROVISIONING SERVICE Unconfirmed interpretation: Digital Wallet Tokenization Preauthorization Hold $0.00 07/12 VZWRLSS*APOCC VISB Unconfirmed interpretation: Possible Verizon Wireless bill payment; exact descriptor and suffix unconfirmed $142.16 09/16 WEALTHFRONT INC Unconfirmed interpretation: Wealthfront investment / cash transfer $15.50 09/16 WEBULL FINANCIAL Unconfirmed interpretation: Webull brokerage funding transfer $250.00 08/05 WIRE TRANSFER FEE Unconfirmed interpretation: 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.