The Standard Entry Class (SEC) code is a three-character application which identifies each entry in the ACH Network. SEC codes differentiate the type of sender and receiver account as either consumer and/or non-consumer, as well as, the proper proof of authorization required for each type of transaction. Understanding and using proper SEC codes is important since using incorrect SEC codes on entries may result in a violation of the NACHA Operating Rules.
Frequently used SEC codes include the following:
To ensure compliance with the NACHA rules and avoid possible rules violation, review Article III (Section 3.4) of NACHA Operating Rules; and Section V of NACHA Operating Guidelines for additional information.