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Difference between ACH and DBT

What is the difference between ACH and DBT?

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Those look like abbreviations that appear on your bank statement. Your bank is the best source of information about what they stand for at that bank.

Generally speaking, an ACH entry is a transaction that originates electronically (or that was converted from a paper check), and travels from the Originating Bank to the Receiving Bank through a series of Automated Clearing Houses (ACH). Common ACH entries include directly deposited Social Security and payroll entries, pre-authorized charges for insurance premiums or membership dues, etc. In some cases, ACH entries can originate from purchase transactions made with debit cards.

A DBT entry is any charge (debit) to your deposit account. Often "DBT" can represent a debit card purchase transaction. It's often necessary to see the descriptive information that accompanies an ACH or DBT entry to determine what it represents.

Published on BankingQuestions.com 5/07/08