NationalACH

The Standard Entry Class (SEC) code is a three letter code that identifies the nature of the ACH processing entry. Here are some common SEC codes:

ARC

Accounts Receivable Entries. Checks received by a merchant through mail or drop box and presented as an ACH entry.

BOC

Back Office Conversion. Checks that are converted from paper to an electronic debit at a centralized location.

CCD

Corporate Cash Disbursement. Primarily used for business to business transactions.

DNE

Death Notification Entry. Issued by the Federal Government.

POP

Point-of-Purchase. A check presented in-person to a merchant for purchase is presented as an ACH entry instead of a physical check.

POS

Point-of-Sale. A debit at electronic terminal initiated by use of a plastic card. An example is using your Debit card to purchase gas.

PPD

Prearranged Payment and Deposits. Used to credit or debit a consumer account. Popularly used for payroll direct deposits and preauthorized bill payments.

RCK

Represented Check Entries. A physical check that was presented but returned because of insufficient funds may be represented as an ACH entry.

TEL

Telephone Initiated-Entry. Verbal authorization by telephone to issue an ACH entry such as checks by phone. (TEL code allowed for inbound telephone orders only. NACHA disallows the use of this code for outbound telephone solicitations calls. )

WEB

Web Initiated-Entry. Electronic authorization through the Internet to create an ACH entry such as Paypal.

XCK

Destroyed Check Entry. A physical check that was destroyed because of a disaster can be presented as an ACH entry.

More information on ACH is available at nationalach.com