The transaction code identifies a transaction as a debit or credit – and indicates the type of account to which the transaction is intended (i.e. checking or savings). The transaction code is a mandatory numeric field for the Entry Detail Record (‘6’) and is in positions 02-03.
CHECKING (DDA) ACCOUNTS SAVINGS ACCOUNTS
22 – Credit 32 – Credit 23 – Credit Prenote 33 – Credit Prenote 27 – Debit 37 – Debit 28 – Debit Prenote 38 – Debit Prenote For a full list of transaction codes, please refer to Appendix Three, Subpart 3.2 – Glossary of Data Elements the Rules.
The Service Class Code identifies whether the batch contains both debit and credit transactions, only credit transactions, or only debit transactions. The Service Class Code is a mandatory numeric field for the Batch Header Record (‘5’) and the Batch Control Record (‘8’). The codes are in positions 02-04 in both records, and the code values within a single batch must be the same.
200 – Mixed Debits and Credits 220 – Credits only 225 – Debits only