168 descriptors in this category
Bank codes & transfers
ACH descriptors, treasury deposits, and card-payment entries — the machine-readable names banks put on your statement.
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08/05 ACH ELECTRONIC DEBIT Automated Clearing House Direct Debit $150.00 09/16 ACH HOLD A pending ACH electronic debit that has not finished clearing $210.00 06/21 ACHMA VISB BILL PYMNT Verizon Wireless bill payment $89.00 09/16 ACORNS GROW INC Acorns micro-investing transfer $3.00 07/03 AGRI TREAS 310 U.S. Department of Agriculture payment (farm program, loan, or disaster assistance) +$4,150.00 09/14 ALBERT CORP Albert financial app subscription $14.99 08/04 ALLSTATE Allstate Insurance $19.99 09/16 ALLY INVEST SEC Ally Invest brokerage transfer $300.00 08/01 ANNUAL FEE A credit card's yearly charge for keeping the account and its perks $95.00 06/07 APPLECARD GSBANK PAYMENT Apple Card bill payment $250.00 08/05 ATM WITHDRAWAL ATM Cash Withdrawal $60.00 08/05 AUTH HOLD Pre-Authorization Hold $1.00 08/05 BALANCE TRANSFER FEE Balance Transfer Fee $50.00 09/16 BETTERMENT LLC Betterment robo-advisory deposit $150.00 09/01 BILT TECHNOLOGIES Bilt Rewards rent payment $1,850.00 Current BMO ALLPOINT ATM W/D BMO Bank Allpoint Network ATM Withdrawal Cash withdrawal amount Current BMO BANK DEBIT CARD BMO Bank Mastercard Debit Card Purchase Retail purchase amount Current BMO DIGITAL TRANSFER BMO Bank Digital Internal Transfer Transfer amount Current BMO BANK DIRECT DEP BMO Bank Direct Deposit Payroll Credit Payroll credit amount Current BMO HARRIS ACH PMT BMO Bank Automated Clearing House Payment Variable payment amount Current BMO DOMESTIC WIRE FEE BMO Bank Outgoing Domestic Wire Fee $30.00 wire fee 08/01 BREX* BUSINESS CARD Brex Corporate Card Statement Payment $250.00 09/12 BRIGIT PLUS Brigit cash advance app $9.99 Current CAPITAL ONE* AUTO PAY Capital One Credit Card Payment $25.00 – Variable 08/05 CARD REPLACEMENT FEE Card Replacement Fee $10.00 08/05 CASH ADVANCE FEE Cash Advance Fee $15.00 07/09 CASHIER'S CHECK FEE Your bank's charge for issuing an official check guaranteed by the bank $10.00 06/01 THD/CBNA Citibank retail card entry $95.00 08/05 CHECKCARD Debit Card Purchase $32.10 08/28 CHILD SUPPORT DEPOSIT Child-support disbursement from the State Disbursement Unit +$540.00 08/01 CHIME* CREDIT BUILDER Chime Credit Builder Secured Card Allocation $50.00 Current CITIZENS ATM CASH W/D Citizens Bank ATM Cash Withdrawal Cash withdrawal amount Current CITIZENS BANK ACH PMT Citizens Bank Automated Clearing House Payment Variable payment amount Current CITIZENS BANK CHECKCARD Citizens Bank Visa Debit Card Purchase Retail purchase amount Current CITIZENS ONLINE XFR Citizens Bank Online Internal Transfer Transfer amount Current CITIZENS MAINT FEE Citizens Bank Monthly Checking Maintenance Fee $9.99 monthly fee Current CITIZENS OVERDRAFT XFR Citizens Bank Overdraft Protection Transfer Buffer transfer amount Current CKO * REVOLUT TOPUP Revolut Digital Account Card Funding Top-Up Card load transfer Current CKO * WISE PAYMENTS Wise Cross-Border Transfer Card Funding Transfer funding amount 06/02 COMENITY PAY VI WEB PYMT Store credit card payment $75.00 08/06 CONVENIENCE FEE A merchant's flat charge for paying through a non-standard channel $3.95 08/02 COUNTER CREDIT An in-person deposit of cash or a check made at a bank branch counter $300.00 08/11 CREDIT CARD SURCHARGE A merchant's percentage add-on for paying by credit card $2.40 08/01 CREDIT KARMA* MONEY Credit Karma Money Account Transfer / Spend $50.00 09/17 CURRENT PLATFORM Current mobile banking transfer $35.00 09/15 DAVE INC Dave banking app $1.00 07/12 DFEC TREAS 310 U.S. Department of Labor federal workers' compensation payment (FECA) +$1,930.00 Current DISCOVER CARD* E-PAYMENT Discover Credit Card Electronic Payment $35.00 – Variable 06/18 DOEP TREAS 310 U.S. Department of Education payment (student-loan refund, discharge, or overpayment return) +$3,410.00 09/14 EARNIN ACTIVEHRS EarnIn paycheck advance $100.00 09/18 ELAN FINANCIAL SVC Elan Financial Services (U.S. Bancorp) $125.00 09/16 EMPOWER PFC Empower (Personal Capital) wealth management $185.00 09/16 E*TRADE SEC LLC E*TRADE (Morgan Stanley) brokerage transfer $500.00 08/03 EXCESS ACTIVITY FEE A fee for exceeding your bank's monthly savings transfer or withdrawal limit $5.00 08/07 EXTERNAL TRANSFER An ACH transfer of money between your account and one at another bank $250.00 06/28 FEMA TREAS 310 Federal Emergency Management Agency disaster-assistance payment +$770.00 06/13 FID BKG SVC LLC MONEYLINE Fidelity Investments transfer $500.00 Current 53 BANK ACH DEBIT Fifth Third Bank Automated Clearing House Debit Variable debit amount Current 53 EARLY PAY DIR DEP Fifth Third Early Pay Payroll Direct Deposit Payroll credit amount Current 53 EXPRESS TRANSFER Fifth Third Real-Time Digital Funds Transfer Transfer amount Current 53 JEANIE ATM WTHDRWL Fifth Third Jeanie ATM Cash Withdrawal Cash withdrawal amount Current 53 SERVICE CHG MAINT Fifth Third Monthly Account Maintenance Fee $11.00 monthly fee Current FIFTH THIRD POS DBT Fifth Third Mastercard Debit Card POS Purchase Retail purchase amount 08/05 FOREIGN TRANS FEE Foreign Transaction Fee $3.50 05/18 FOREIGN TRANSACTION FEE Your card issuer's fee for a non-U.S. currency or cross-border purchase $3.42 09/15 FUNDRISE LLC Fundrise real estate investment deposit $100.00 08/04 GEICO GEICO $19.99 09/10 GO2BANK*MONTHLY GO2bank monthly fee (Green Dot Bank) $5.00 Current HUNTINGTON 24HR GRACE Huntington 24-Hour Grace Overdraft Fee Reversal Fee reversal credit Current HUNTINGTON ATM WTHDRWL Huntington Bank ATM Cash Withdrawal Cash withdrawal amount Current HUNTINGTON DEBIT PUR Huntington Mastercard Debit Card Purchase Retail purchase amount Current HUNTINGTON DIR DEP ACH Huntington Bank Payroll Direct Deposit Payroll credit amount Current HUNTINGTON STANDBY CASH Huntington Standby Cash Line of Credit Transaction Line of credit draw/repayment Current HUNTINGTON VOICE REWARD Huntington Voice Credit Card Reward Statement Credit Cashback statement credit 08/05 INACTIVITY FEE Inactivity Fee $5.00 08/14 INSTALLMENT PLAN A monthly payment on a card purchase split through the issuer's pay-over-time feature $83.34 08/05 INT CHARGE Interest Charge $42.15 09/16 INTERACTIVE BRKRS Interactive Brokers trading / data fee $10.00 09/22 INTEREST CHARGE ON PURCHASES Finance charge on the purchase balance you carried past the due date $27.63 06/02 INTL SERVICE ASSESSMENT FEE Visa/Mastercard cross-border network assessment passed through by your issuer $1.05 07/04 IRS TREAS 310 TAX REF IRS direct deposit (tax refund) +$1,847.00 08/31 IRS USATAXPYMT Internal Revenue Service Tax Payment $300.00 08/01 KIKOFF* CREDIT PLAN Kikoff Credit Builder Plan $5.00 08/05 LATE PAYMENT FEE Late Payment Fee $35.00 09/16 M1 FINANCE LLC M1 Finance investment / platform fee $3.00 08/01 MERCURY* WIRE CHECK Mercury Startup Banking & Wire Transfer $15.00 09/16 MERRILL LYNCH Merrill Edge / Merrill Lynch brokerage transfer $1,000.00 07/01 MINIMUM BALANCE FEE A fee for letting your account balance fall below the required minimum $10.00 08/04 MOBILE DEPOSIT A credit from a check deposited through your bank's mobile app $420.00 08/05 MONTHLY MAINT FEE Monthly Maintenance Fee $12.00 07/01 MONTHLY MAINTENANCE FEE Your bank's flat monthly charge for keeping the account open $12.00 09/08 NETSPEND CORP Netspend prepaid debit card fee $9.95 Current NFCU ACH DIRECT DEP Navy Federal Direct Deposit Payroll Credit Variable payroll credit Current NFCU CASH WITHDRAWAL ATM Navy Federal ATM Cash Withdrawal Cash withdrawal amount Current NFCU CHECK CARD PURCHASE Navy Federal Visa Debit Card Retail Purchase Variable merchant charge Current NFCU MOBILE XFR SHARE Navy Federal Internal Mobile Share Transfer Variable transfer amount Current NFCU MTG PAYMENT ACH Navy Federal Mortgage Loan Payment Draft Monthly mortgage payment Current NFCU OOP TRANSFER Navy Federal Optional Overdraft Protection Transfer Variable transfer amount Current NFCU WIRE OUTGOING FEE Navy Federal Wire Transfer Processing Fee $14.00 domestic fee 08/01 NOVO* BUSINESS APPS Novo Business Banking & App Integrations $4.99 08/05 NSF FEE Non-Sufficient Funds Service Fee $34.00 08/05 OUT OF NETWORK ATM FEE Out of Network ATM Fee $3.00 08/05 OVER LIMIT FEE Over Limit Fee $35.00 06/12 OVERDRAFT FEE A penalty your bank charges for paying a transaction your balance could not cover $35.00 08/05 OVERDRAFT PROTECT TRANSFER Overdraft Protection Transfer $100.00 09/11 OVERDRAFT PROTECTION TRANSFER An automatic transfer from your linked account to cover a checking shortfall $150.00 07/15 PAPER STATEMENT FEE A monthly charge for receiving statements by mail instead of electronically $3.00 08/05 PAPER STMT FEE Paper Statement Fee $2.00 08/04 PAYPAL PayPal $19.99 2026-08-10 Pearl Insurance Premium Pearl Insurance Premium $45.00 08/05 PENDING AUTH Pending Authorization $50.00 09/19 PENDING AUTHORIZATION HOLD A temporary hold reserving funds until a card purchase settles $75.00 08/05 PMNT POST Payment Posted $100.00 Current PNC BANK* ONLINE PMT PNC Bank Electronic Payment Variable 08/05 POS DEBIT Debit Card Point of Sale Transaction $45.20 09/05 PREAUTHORIZED WD A recurring ACH withdrawal you authorized a biller to take $84.31 08/04 PROGRESSIVE Progressive Insurance $19.99 08/14 PROVISIONAL CREDIT A temporary, conditional refund posted while your bank investigates a dispute +$248.00 08/01 RAMP* EXPENSE CARD Ramp Corporate Card Payment & Expense Platform $150.00 09/03 RECURRING PAYMENT AUTHORIZED ON A subscription or repeat debit you previously authorized $19.99 Current REGIONS NON-CUSTOMER ATM Regions Bank Out-of-Network ATM Surcharge $3.00 non-customer fee Current REGIONS BANK ACH DDA Regions Bank ACH Demand Deposit Entry Variable clearing amount Current REGIONS CHECKCARD PUR Regions Visa CheckCard Retail Purchase Merchant purchase amount Current REGIONS NOW CHECK CASH Regions Now Banking Check Cashing Service Fee Service fee amount Current REGIONS INTERNET XFR Regions Online Banking Internal Transfer Transfer amount Current REGIONS OVERDRAFT PAID Regions Bank Overdraft Paid Item Fee $36.00 paid item fee 08/01 RELAY* BUSINESS BANK Relay Business Banking & Relay Pro SaaS $30.00 08/05 RETURN ITEM FEE Returned Item Fee $35.00 07/09 RETURNED ITEM FEE Your bank's fee for a deposited check or payment that bounced back unpaid $12.00 09/01 RRB TREAS 310 Railroad Retirement Board annuity direct deposit +$2,145.00 06/22 SBAD TREAS 310 U.S. Small Business Administration disbursement (disaster loan or advance) +$2,000.00 Current SCHWAB* BROKERAGE SWEEP Charles Schwab Cash Sweep & Transfer Variable Current SECU VOICE TELE XFR SECU Telephone Banking Share Transfer Internal transfer Current SECU CASHPOINTS ATM W/D SECU CashPoints ATM Cash Withdrawal Cash withdrawal Current SECU FUNDS TRANSFER DR SECU Electronic Funds Transfer Debit Transfer amount Current SECU LOAN PAYMENT DRAFT SECU Consumer Loan Payment Draft Monthly loan payment Current NC SECU SALARY DEP State Employees Credit Union Payroll Direct Deposit Payroll credit Current SECU VISA CHECK CARD SECU Visa Debit Card Retail Purchase Merchant transaction 08/01 SELF FINANCIAL* BUILD Self Financial Credit Builder Loan Payment $35.00 08/05 SOFI BANK DEPOSIT An incoming deposit or transfer credited to your SoFi Bank account +$1,240.00 07/13 SSA TREAS 310 XXSOC SEC Social Security payment +$1,412.00 09/16 STASH FINANCIAL Stash micro-investing subscription $3.00 08/04 STATE FARM State Farm Insurance $19.99 03/21 STATE TAX REFUND State income-tax refund direct deposit +$612.00 08/05 STOP PAYMENT FEE Stop Payment Fee $30.00 06/08 SYNCB/AMAZON PAYMENT Synchrony store card payment $120.00 04/11 TCS TREAS 449 Federal payment reduced by a Treasury Offset Program debt collection +$326.00 Current TD BANK ACH DEBIT TD Bank Automated Clearing House Debit Variable debit amount Current TD BANK DIRECT DEP TD Bank Direct Deposit Payroll Credit Payroll credit amount Current TD BANK NON-TD ATM FEE TD Bank Out-of-Network ATM Surcharge $3.00 non-TD fee Current TD LIVE ONLINE XFR TD Bank Online Internal Transfer Transfer amount Current TD BANK OVERDRAFT ADV TD Bank Overdraft Protection Savings Transfer Overdraft advance amount Current TD BANK STOP PMT FEE TD Bank Stop Payment Administrative Fee $30.00 stop payment fee Current TD BANK VISA CHECKCARD TD Bank Visa Debit Card Purchase Retail purchase amount 07/18 TREASURY DIRECT A transfer between your bank and your TreasuryDirect securities account $1,000.00 Current TRUIST* ONLINE PMT Truist Bank Electronic Payment Variable 08/31 TX CHILD SUPP Texas Child Support Payment $400.00 02/14 UI BENEFIT PAYMENT State unemployment insurance benefit deposit +$487.00 Current US BANK* ELEC PMT U.S. Bank Electronic Payment Variable 05/09 36 TREAS 310 MISC PAY Miscellaneous federal government ACH payment +$948.00 09/02 VACP TREAS 310 VA disability compensation or pension direct deposit +$1,732.00 09/16 VARO BANK N.A. Varo Bank electronic transfer $50.00 08/04 VENMO Venmo $19.99 09/14 VISA PROVISIONING SERVICE Digital Wallet Tokenization Preauthorization Hold $0.00 07/12 VZWRLSS*APOCC VISB Verizon Wireless bill payment $142.16 09/16 WEALTHFRONT INC Wealthfront investment / cash transfer $15.50 09/16 WEBULL FINANCIAL Webull brokerage funding transfer $250.00 08/05 WIRE TRANSFER FEE Wire Transfer Fee $25.00
About Bank codes & transfers charges
Not all entries on a bank statement are consumer purchases. A significant portion consists of internal transfers, Automated Clearing House (ACH) movements, direct deposits, and inter-bank fees. These transactions are heavily abbreviated and rely on industry-standard codes that are opaque to the average consumer.
ACH transactions are electronic network transfers between financial institutions. When you pay a credit card bill from your checking account, you might see a descriptor like 'ACH PMT' followed by the name of the credit card issuer (e.g., 'CHASE CREDIT CRD'). Conversely, incoming funds like a paycheck or a tax refund will appear as 'DIR DEP' (Direct Deposit) or 'TREAS 310' (an IRS tax refund).
Fees are another common source of frustration. Banks levy charges for overdrafts (often labeled 'NSF FEE' or 'ODP TRANSFER FEE'), monthly account maintenance, wire transfers, and ATM usage. If you use an out-of-network ATM, you may see two separate fees: one from the ATM operator (e.g., 'CARDTRONICS') and a secondary 'NON-NETWORK ATM FEE' assessed by your own bank.
Peer-to-peer (P2P) payment platforms like Venmo, Zelle, and Cash App also generate specific banking descriptors. A transfer to a friend via Zelle might appear simply as 'ZELLE TO JOHN DOE', while funding your Cash App wallet will show as 'CASH APP*TRANSFER'.
Because banking codes represent the movement of actual cash rather than just credit authorizations, they are subject to different regulatory frameworks. Errors in ACH transfers or unauthorized withdrawals fall under Regulation E in the United States, which has strict timelines for reporting and resolving disputes.
Frequently Asked Questions
What does ACH mean on my statement?
ACH stands for Automated Clearing House. It is an electronic network used to process direct deposits, payroll, and automated bill payments between banks in the United States.
Why am I seeing an NSF or Overdraft fee?
NSF (Non-Sufficient Funds) means a transaction was attempted when your account didn't have enough money to cover it. The bank rejected the transaction and charged you a penalty fee.
What is an IRS TREAS 310 charge/deposit?
This is a standard descriptor for a direct deposit from the US Treasury, most commonly indicating an income tax refund, stimulus check, or child tax credit payment.
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