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Descriptor decodificado

POS DEBIT

Payment rail

By · Última actualización

08/05 POS DEBIT $45.20

Resumen del cargo

POS DEBIT is a standard banking transaction descriptor indicating a purchase made directly with your debit card or mobile wallet, not a company name.

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What is a POS DEBIT charge?

'POS DEBIT' (Point of Sale Debit) is a generic label your bank uses to classify any purchase where funds were deducted directly from your checking account via a debit card terminal, chip reader, or contactless tap.

It is not a company, store brand, or bank penalty. The actual store, restaurant, or online merchant you paid is printed immediately adjacent to 'POS DEBIT' on your billing statement.

How to Find the Real Merchant on This Line

Banks format POS debit lines by prefixing the payment rail before the store identifier (for example, 'POS DEBIT 1294 CHIPOTLE' or 'POS DEBIT SHELL OIL').

Look past the 'POS DEBIT' text to locate the merchant name, store number, or city.

  1. Step 1 Identify the store name or location code printed next to 'POS DEBIT' on your statement line.
  2. Step 2 Check your physical receipts, mobile wallet histories (Apple Pay / Google Pay), or email confirmations matching the date and dollar amount.

Why does my statement say POS DEBIT instead of just the store name?

Banks categorize transactions by payment rail to differentiate debit card terminal purchases from ACH direct debits, checks, or ATM withdrawals. The store name is usually appended right after the POS DEBIT label.

Where can I read the full technical definition of POS DEBIT?

Read our comprehensive breakdown in the <a href='/glossary/pos-debit'>POS DEBIT Banking Glossary Entry</a>.

Dispute Rights & Unauthorized Charges

If you do not recognize the merchant listed next to POS DEBIT and confirmed no family member used your card, contact your bank immediately to freeze your card.

Under the Electronic Fund Transfer Act (EFTA / Regulation E, 12 CFR § 1005), you have statutory protections to report unauthorized debit transactions within 60 days of your statement date.

What should I do if this charge is unrecognized?

First check if the amount matches a recent in-person purchase. If it remains completely unrecognized, call the 24/7 customer service number on the back of your debit card to report unauthorized activity.

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