ACH SEC Codes

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

Code	Description
ARC	Accounts Receivable Entries-A check received by a merchant through mail or drop box and presented as an ACH entry. Business Checking account, Personal Savings and Personal Checking accounts are only allowed
BOC	Back Office Conversion-A check that is converted from paper to an electronic debit at a centralized location and presented as an ACH entry. Business Checking account, Personal Savings and Personal Checking accounts are only allowed
CCD	Corporate Cash Disbursement-Primarily used for business to business transactions. Business Checking account is only allowed. Credits can only be processed using CCD for Business Accounts
PPD	Prearranged Payment and Deposits-Used to credit or debit a consumer account. Popularly used for payroll direct deposits and preauthorized bill payments. Personal Savings and Personal Checking accounts are only allowed. Credits can only be processed using PPD for Personal Accounts.
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). Personal Savings and Personal Checking accounts are only allowed
WEB	Web Initiated-Entry-Electronic authorization through the Internet to create an ACH entry. Bank Account Holder First and Last Name are required. Personal Savings and Personal Checking accounts are only allowed