Glossaire des réseaux bancaires
Glossaire des codes et réseaux bancaires
Décryptez les codes SEC NACHA, réseaux cartes, mentions de virement et frais bancaires.
Codes SEC ACH
Codes standardisés de 3 lettres identifiant les prélèvements et virements ACH.
ACK Nacha (National Automated Clearing House Association)
ACH Payment Acknowledgment
ACK stands for ACH Payment Acknowledgment, the Nacha Standard Entry Class code that identifies a non-monetary entry a receiving bank sends to confirm it accepted a corporate credit payment in the CCD format. No funds move with this code — it is a receipt notice between financial institutions, not a charge a consumer can receive. CBR Nacha (National Automated Clearing House Association)
Corporate Cross-Border Payment
CBR stands for Corporate Cross-Border Payment, the former Nacha Standard Entry Class code for corporate cross-border ACH credit and debit entries, replaced by IAT (International ACH Transaction) in 2009. The Federal Reserve states that IAT was introduced as a new SEC code that replaced the cross-border codes in use at the time. CCD Nacha (National Automated Clearing House Association)
Corporate Credit or Debit
CCD is the standard commercial ACH code used for business-to-business (B2B) payments, vendor invoices, intercompany transfers, and tax payments. CIE Nacha (National Automated Clearing House Association)
Customer-Initiated Entry
CIE is used for credit transfers initiated by a consumer through their bank's online bill payment platform to push funds to a company. IAT Nacha
International ACH Transaction
IAT designates cross-border ACH payments that involve a financial institution outside the territorial jurisdiction of the United States. PPD Nacha (National Automated Clearing House Association)
Prearranged Payment and Deposit
PPD is the standard Nacha code used for consumer electronic transfers, including payroll direct deposits and authorized recurring bill payments. RCK Nacha (National Automated Clearing House Association)
Re-Presented Check Entry
RCK is used by merchants and collection agencies to re-present a paper check electronically via ACH after it was initially returned for non-sufficient funds. TEL Nacha (National Automated Clearing House Association)
Telephone-Initiated Entry
TEL represents an ACH electronic debit authorized orally over the telephone between a consumer and a merchant or financial representative. WEB Nacha (National Automated Clearing House Association)
Internet-Initiated / Mobile Entry
WEB denotes an electronic payment authorized online via a website or mobile application using checking account and routing numbers.Conversion électronique de chèques
Formats de règlement pour les chèques convertis en débits électroniques.
ARC Nacha
Accounts Receivable Conversion
ARC occurs when a physical paper check you mailed in to pay a bill is converted into an electronic ACH debit upon arrival at the biller's lockbox. BOC Nacha (National Automated Clearing House Association)
Back Office Conversion
BOC indicates that a paper check written in-person at a retail store checkout was scanned and converted into an ACH debit in the merchant's back office. POP Nacha (National Automated Clearing House Association)
Point-of-Purchase Entry
POP indicates that a paper check was scanned by a cashier at checkout to capture routing numbers, then voided and immediately returned to you.Réseaux de cartes et terminaux POS
Libellés de terminaux de paiement, routages de débit et empreintes bancaires.
ATM CFPB
Automated Teller Machine Transaction
ATM denotes a physical automated teller machine transaction, such as cash withdrawal, deposit, balance inquiry, or funds transfer. AUTH HOLD Card Networks
Authorization Hold / Pre-Authorization
AUTH HOLD represents a temporary reservation placed on your available balance by a merchant to guarantee payment before the final total is settled. CHECKCARD Card Networks (Visa
Visa / Mastercard Branded Debit Card Purchase
CHECKCARD is a legacy banking term for debit card purchases that run across major card networks (Visa or Mastercard) directly linked to your checking balance. PIN DEBIT CFPB
Personal Identification Number Debit Rail
PIN DEBIT represents a real-time debit card purchase authenticated via your secret PIN and routed across regional EFT networks like Star, Pulse, or NYCE. POS DEBIT CFPB
Point of Sale Debit Transaction
POS DEBIT indicates a payment made directly using your debit card or mobile wallet at a retail card reader or online checkout gateway. REVERSAL CFPB
Payment Reversal / Credit Adjustment
REVERSAL denotes a cancellation or refund of a previous transaction, crediting funds back to your account due to merchant return or banking correction.Réseaux de compensation instantanée
Réseaux interbancaires : Fedwire, RTP et ACH.
ACH Nacha
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. RTP The Clearing House
Real-Time Payments Network
RTP is an instant, 24/7/365 payment rail operated by The Clearing House that settles transfers between participating U.S. bank accounts in seconds. WIRE Federal Reserve Banks
Fedwire Funds Service / Wire Transfer
WIRE represents an immediate, irrevocable gross settlement funds transfer across the Federal Reserve's Fedwire network, typically used for large transactions.Frais bancaires et ajustements
Abréviations de frais de découvert, tenue de compte et crédits provisoires.
DDA FDIC
Demand Deposit Account
DDA refers to a standard checking or demand deposit account from which deposited funds can be withdrawn at any time without advance notice. EDI PYMNTS Nacha
Electronic Data Interchange Payments
EDI PYMNTS indicates an electronic B2B payment accompanied by structured invoice, purchase order, or remittance data. FOREIGN TRANSACTION FEE CFPB
Foreign Transaction Assessment / International Service Fee
A 1% to 3% fee assessed by card issuers on purchases routed through foreign banks or processed in non-U.S. dollar currencies. NSF CFPB
Non-Sufficient Funds Fee
NSF indicates a penalty fee charged when a check or preauthorized electronic payment is presented for payment but returned unpaid due to a lack of available funds. OVERDRAFT FEE CFPB
Overdraft Service Fee / Overdraft Protection
An overdraft fee is assessed when your bank elects to pay a transaction that exceeds your balance, advancing funds on your behalf into a negative balance. PROVISIONAL CREDIT CFPB (Consumer Financial Protection Bureau)
Provisional Dispute Credit / Temporary Investigation Credit
A temporary credit issued to your account balance by your bank while it investigates an error or unauthorized transaction under federal law. WIRE TRANSFER FEE CFPB
Wire Transfer Fee (Outgoing)
A wire transfer fee is the charge a bank applies for sending money by wire from a deposit account. Outgoing international wires, banker-assisted transfers, and foreign-currency wires cost the most; online domestic wires cost less, and many banks waive the fee on premium accounts. Statements show it as WIRE FEE, WIRE TRANSFER FEE, or FEE FOR DOMESTIC FUNDS TRANSFER.