CCD and CTX Code Details


Both of these standard entry class codes apply to commercial account transactions.

Corporate Credit or Debit
Corporate Trade Exchange

CCD: An entry initiated by an Organization to or from the account of that Organization or another Organization

CTX: An entry originated by an Organization to ro from the account of that Organization or another Organization and accompanied by one or more Addenda Records

Type of Entry

Single OR Recurring Entry
Credit OR Debit Entry

May be non-monetary

  • The Receiver has an agreement with the Originator under which the Receiver has agreed to be bound by the ACH Rules.
  • This agreement is sometimes referred to as a Trading Partner Agreement. Both parties, Originator and Receiver, should retain a copy of this Agreement.
  • An ODFI may request a copy of this agreement from the Originator.
Special Rules
  • CCD and CTX entries are contractually bound between two entities for transfer of funds to or from an account that is not primarily used for personal, family or household purposes.
  • Return timeframes for unauthorized CCD and CTX entries are different than unauthorized consumer entry returns.
  • Return timeframe for ALL CCD and CTX entries is 24-hours (2 banking days): Each Return Entry must be made available to the ODFI no later than the opening of business on the second banking day following the Settlement Date of the original entry.
  • Exceptions to return timeframe for CCD and CTX entries: RDFI contacts ODFI, requests and receives Explicit Permission BEFORE returning outside the 24 hour return timeframe (see Return Reason Codes below).
Addenda Records

Addenda Records are OPTIONAL for CCD entries:

  • Maximum number of Addenda records is one

Addenda Records are OPTIONAL for CTX entries:

  • Maximum number of Addenda records is up to 9,999

Addenda Records for both CCD and CTX:

  • Used by Originator to supply additional information about the entry detail record. Commonly used for invoice information from company to company.
  • Must contain payment-related information only — any other use is prohibited.
  • ONLY — ANSI ASC X12 data segments or NACHA endorsed banking conventions (i.e. tax payment/child support).

Upon request of the Receiver, an RDFI MUST provide to its Receiver all Payment Related Information contained within the Addenda record(s). Payment-related information MUST be provided within 2 banking days.

Specific Return Reason Codes
  • R08 Payment Stopped
    24 hours
  • R29 Corporate Customer Advises Not Authorized
    24 hours
    No Written Statement of Unauthorized Debit needed
  • R31  Permissible Return Entry (CCD & CTX only)
    No time limit — determined by the ODFI and RDFI
    RDFI MUST request and receive explicit permission from ODFI BEFORE returning
Exception Return Reason Codes
  • R05 Unauthorized Debit to Consumer Account using Corporate SEC Code
    60 calendar days
    Need Written Statement of Unauthorized Debit from receiver/account holder of consumer account

    NOTE: Consumer Account as defined by Regulation E.


RDFI: Receiving Depository Financial Institution
ODFI: Originating Depository Financial Institution

View ACH SEC Code FAQs