ECC Resources
Best Practices – Consumer Periodic Statements
Quick Reference Chart: Check Conversion and Check 21
Examples of Statements with eCheck Transactions
Economic Frameworks:
Reports
eCheck SEC Codes
The following ACH Network Standard Entry Class Codes used for electronic check services or similar ACH services are in effect : ARC, BOC, POP and RCK. All of these SECs can be used only for consumer items.
ARC – Accounts Receivable Checks: Checks received through a lockbox or a dropbox can be converted to ACH transactions under this SEC Code.
BOC -- Back Office Conversion: Checks are received at either the point of purchase or a manned bill payment location and converted in the back office.
POP – Point of Purchase: Used to transmit a payment initiated at the point of purchase (such as a checkout counter or point of sale) through the ACH Network. The check serves only as the source document providing the information necessary to debit the customer's account. The payment is authorized by the customer at the time of purchase.
RCK – Re-presented Checks: Used to re-present through the ACH Network a payment that was submitted as a paper check but returned unpaid because of NSF or uncollected funds.
