UnknownCharges

Electronic Check Conversion

ARC (Accounts Receivable Conversion)

ARC
08/05 STATE FARM INS ARC CHK# 1024 $45.20

要約

ARC (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.

重要：このコードが意味しないもの

ARC is not a double-charge or debit card transaction. When a check is converted to ARC, the physical paper check is destroyed or truncated by the biller and will not clear a second time as a physical check.

ARC の詳細解説

ARC (Accounts Receivable Conversion) represents the electronic conversion of a consumer paper check received via U.S. mail or dropped in a bill payment drop-box.

Instead of physically sending your paper check through the Federal Reserve check clearing system, the billing company scans the MICR routing and account line and processes it as an instant electronic ACH debit.

Nacha rules require billers to provide clear advance notice on billing statements that mailed checks may be converted into electronic ACH transactions.

実際の加盟店を特定する方法

  1. ステップ 1 Look for your check number in the description line next to 'ARC' (e.g., 'ARC CHK 1045').
  2. ステップ 2 Match the amount to bills you recently paid by mailing a handwritten paper check (such as property taxes, local water bills, or medical statements).
  3. ステップ 3 Verify your checkbook register to ensure the check number matches your records.

代表的な明細表記パターン

  • STATE FARM INS ARC CHK# 1024
  • COUNTY TAX COLLECTOR ARC 504
  • WATER DEPT LOCKBOX ARC 892
  • ARC CHECK CONVERSION 1102

検証ソース