UnknownCharges

Libellé bancaire décodé

ACH ELECTRONIC DEBIT

Payment rail

By · Dernière mise à jour

08/05 ACH ELECTRONIC DEBIT $150.00

En résumé

ACH ELECTRONIC DEBIT indicates a direct electronic transfer processed across the Automated Clearing House banking network, not a specific store or company.

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What is an ACH ELECTRONIC DEBIT charge?

An ACH Electronic Debit is a generic statement descriptor used by banks when funds are withdrawn from your checking or savings account via the Automated Clearing House (ACH) network.

This is standard for pre-scheduled monthly autopay transactions (like utility bills, car loans, insurance premiums, or mortgage payments) where you provided your routing and account numbers.

How to Identify the Originator Company

Because 'ACH Electronic Debit' describes the banking network, the actual company initiating the transfer is named in the accompanying memo, descriptor, or addenda text.

Look for abbreviations like 'PPD' (consumer direct debit), 'WEB' (online payment), or 'TEL' (phone-authorized bill).

  1. Step 1 Examine the extended text or memo field on your online banking statement to locate the company name.
  2. Step 2 Check your recurring bill accounts (electric, water, cell phone, streaming, loan payments) for charges matching this dollar amount.

Where can I read the full technical definition of ACH debits?

Read our full breakdown in the <a href='/glossary/ach'>ACH Network Glossary Entry</a>.

Dispute Rights & Unauthorized ACH Withdrawals

If you did not authorize the debit and cannot identify the originator, contact your bank immediately to request a stop payment or report an unauthorized ACH debit.

Under the Electronic Fund Transfer Act (EFTA / Regulation E, 12 CFR § 1005.11), consumers have 60 days from the statement date to notify their financial institution of unauthorized electronic fund transfers.

What should I do if I don't recognize this ACH debit?

Contact your financial institution and ask for the 10-digit ACH Company Identifier or Originating Depository Financial Institution (ODFI) details. If unauthorized, file a Written Statement of Unauthorized Debit (WSUD) with your bank.

Répertoire indépendant non affilié à the originating institution. Les libellés varient selon les banques.

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