ACH* Charge (What It Is + Is It Legit?)

Identify the ACH* transfer source

Log into your bank account and look for any recent transactions you authorized that would trigger an ACH Bank Transfer, such as bill payments, payroll deposits, subscription services, or transfers between accounts. The ACH* label simply means the payment was processed through the Automated Clearing House network.

Match the amount to a known payment

Compare the dollar amount of the ACH Bank Transfer charge on your statement to any pending or scheduled payments you set up recently, such as utility bills, loan payments, or direct debits. Most legitimate ACH Bank Transfer entries correspond directly to a payment you authorized with a specific company or service.

Contact your bank for ACH transfer details

If you cannot immediately identify who initiated the ACH Bank Transfer, call the customer service number on the back of your bank card and ask them to provide the full originator name and company ID associated with the ACH* transaction, which can help you pinpoint exactly which business or person sent or received the funds.

Visit google.com to research the originator

If the ACH Bank Transfer still seems unfamiliar after checking with your bank, visit google.com and search for the originator name or company ID provided by your bank. This can help you confirm whether the business is legitimate and remind you of any services or agreements you may have signed up for that use ACH Bank Transfer for billing.