Home › Charge-Code Guides › ACH / PPD / WEB

ACH, PPD, WEB and TEL on a Bank Statement — Meanings

ACH is the US Automated Clearing House network for bank-to-bank transfers. An ACH DEBIT means a company pulled money from your checking account — a biller, lender, gym or subscription — using your account and routing numbers rather than a card.

Some banks add a NACHA Standard Entry Class code that tells you how you authorised it: PPD (pre-arranged, e.g. a bill or payroll), CCD (a business account), WEB (authorised online or in an app) and TEL (authorised by phone).

How to read a ACH / PPD / WEB charge

ACME FITNESS ACH DEBIT WEB
ACME FITNESS — the company that pulled the money
ACH DEBIT — an electronic transfer out of your account
WEB — you (allegedly) authorised it online

Don't recognize a ACH / PPD / WEB charge? Do this

  1. Contact the company named on the line and ask for proof of your authorisation.
  2. Ask your bank to stop or block future debits from that company.
  3. Report an unauthorised electronic transfer to your bank within 60 days of the statement date — US Regulation E protects you.

Common questions

What does PPD mean on a bank statement?

Prearranged Payment and Deposit — a one-time or recurring ACH payment authorised in advance, such as a bill payment or payroll.

What does WEB mean on an ACH debit?

The payment was authorised online or in a mobile app.

Still can't place the charge?

Search the exact text from your statement against our database of 190,000+ billing descriptors.

Look up a charge

More bank & wallet codes: OPOS · APLPAY · DD / SO / FPO / BGC

All 49 charge-code guides →