UnknownCharges

ACH Standard Entry Class (SEC) Code

CCD (Corporate Credit or Debit)

CCD
08/05 US TREASURY IRS TAX CCD $45.20

要約

CCD (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.

重要：このコードが意味しないもの

CCD is not a credit card fee, debit card transaction, or retail store. If a CCD debit appears on a personal consumer account, it usually means a business mistakenly formatted the entry or processed a corporate transfer against a personal routing number.

CCD の詳細解説

CCD (Corporate Credit or Debit) is designated exclusively for commercial and business bank accounts to transmit funds between business entities.

Commonly used by businesses to pay vendor invoices, transfer funds between internal operating accounts, or submit federal, state, and local tax payments.

Unlike consumer transfers (PPD/WEB), CCD transactions are governed by commercial agreements and the Uniform Commercial Code (UCC-4A), which have substantially shorter return and error-dispute windows (typically 2 banking days rather than the 60-day consumer window under Regulation E).

実際の加盟店を特定する方法

  1. ステップ 1 Look at the corporate name printed alongside 'CCD' on your business or commercial statement.
  2. ステップ 2 Cross-reference your accounts payable ledger or accounting software for vendor payments due on that date.
  3. ステップ 3 If seen on a personal checking account, contact your bank immediately to verify why a commercial debit classification was routed to your consumer account.

代表的な明細表記パターン

  • US TREASURY IRS TAX CCD
  • CISCO SYSTEMS VENDOR CCD
  • GRAINGER IND SUPP CCD PMT
  • ADP TOTALSOURCE CCD TAX

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