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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 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 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 08/05 FOREIGN TRANS FEE Foreign Transaction Fee $3.50 08/04 GEICO GEICO $19.99 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 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 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 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 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 07/12 VZWRLSS*APOCC VISB Verizon Wireless bill payment $142.16 08/05 WIRE TRANSFER FEE Wire Transfer Fee $25.00

Bank codes & transfers

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.

FAQ

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.