How can I identify the real merchant behind a ACH charge?

Read the descriptive text following 'ACH' on your statement line (e.g., 'ACH DEBIT DUKE ENERGY' or 'ACH DIRECT DEP ACME CORP'). Identify whether the transaction is an automated recurring bill, paycheck, or external bank account transfer. Contact your bank's ACH operations department if the originator's company name is ambiguous or missing.

ACH (Automated Clearing House Network)

Q: What does ACH stand for on a bank statement?

ACH stands for Automated Clearing House Network. ACH is the primary nationwide electronic funds transfer network in the U.S., connecting banks to process batch credits and direct debits.

Resumen del cargo

ACH (Automated Clearing House Network). ACH is the primary nationwide electronic funds transfer network in the U.S., connecting banks to process batch credits and direct debits.

Importante: Qué NO es este código

ACH is not a company, store, or subscription provider. It is the underlying interbank banking rail. The originator (company sending or requesting the money) is named in the accompanying statement line.

Significado de ACH

The Automated Clearing House (ACH) is the foundational electronic payment network operated jointly by the Federal Reserve (FedACH) and The Clearing House (EPN).

It processes billions of consumer and commercial transactions annually, including payroll direct deposits, social security disbursements, mortgage payments, utility debits, and peer-to-peer transfers.

ACH transactions operate in batch files and typically settle within 1 to 2 business days (or same-day for qualifying Same Day ACH entries).

Cómo localizar al comercio real

Paso 1 Read the descriptive text following 'ACH' on your statement line (e.g., 'ACH DEBIT DUKE ENERGY' or 'ACH DIRECT DEP ACME CORP').
Paso 2 Identify whether the transaction is an automated recurring bill, paycheck, or external bank account transfer.
Paso 3 Contact your bank's ACH operations department if the originator's company name is ambiguous or missing.

Formatos habituales en el extracto

ACH ELECTRONIC DEBIT STATE FARM
ACH DIRECT DEP PAYROLL ACME CORP
ACH PMT COMCAST CABLE ELEC
ACH TRNSFR DISCOVER BANK 1049

Fuentes verificadas

Nacha: What is ACH and How It Works https://www.nacha.org/rules
Federal Reserve: FedACH Services Overview https://www.federalreserve.gov/paymentsystems/fedach_about.htm