UnknownCharges

High-Value & Clearing House Rail

ACH (Automated Clearing House Network)

ACH
08/05 ACH ELECTRONIC DEBIT STATE FARM $45.20

要約

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.

重要：このコードが意味しないもの

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.

ACH の詳細解説

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).

実際の加盟店を特定する方法

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

代表的な明細表記パターン

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

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