ACH ECC WEB Transaction

Financial Services60% confidence

"ACH ECC WEB" is not a specific merchant but a banking transaction code indicating an Automated Clearing House (ACH) electronic check conversion initiated via the web. The actual business that debited or credited your account is a separate ACH originator that is not identified in this descriptor alone.

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About ACH ECC WEB Transaction

"ACH ECC WEB" is a standard banking notation, not a company name. ACH stands for Automated Clearing House, the U.S. electronic funds-transfer network used by banks and businesses, and ECC stands for Electronic Check Conversion—converting a paper check or check information into an electronic ACH debit. The "WEB" portion indicates that the authorization for this debit was provided over the internet or through an online channel. Together, "ACH ECC WEB" describes the *type* of ACH transaction, not who the merchant is.

A charge with a descriptor like "ACH ECC WEB %% ACH Trace 091000010459614" usually appears on your statement when a business or institution pulls money electronically from your bank account based on information you provided online (for example, entering your routing and account number on a website or authorizing an online bill payment). The ACH trace number is an internal tracking ID used by banks and the ACH network to follow the transaction; it typically identifies the originating bank, not the end merchant. Without the accompanying company name line that your bank usually stores internally, you cannot identify the specific merchant just from this string.

If you have questions about this charge, the best step is to contact your bank or credit union’s customer service and reference the full line item and the ACH trace number exactly as it appears. Your bank can look up the underlying ACH entry to see the company name (ACH originator), company ID, and any additional descriptors that are not shown in online or paper statements. If you don’t recognize the originator, you can then contact that business directly or file an ACH dispute/unauthorized transaction claim with your bank, which has specific time limits for reversing ACH debits.

Bank Statement Variations

1 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to ACH ECC WEB Transaction.

  1. ACH ECC WEB %% ACH Trace 091000010459614

Frequently Asked Questions

Is "ACH ECC WEB" the name of a company that charged my account?

No. "ACH ECC WEB" is a banking code indicating an ACH electronic check conversion initiated via the web. It describes the transaction type, not the actual merchant. The true merchant or organization is stored separately in your bank’s ACH records and is not visible in the string you provided.

Can I identify the merchant from the text "ACH ECC WEB %% ACH Trace 091000010459614" alone?

Not reliably. That string only tells you that it was a web‑initiated ACH electronic check conversion and gives an internal ACH trace number. To see the actual merchant (ACH originator) name, your bank must look up the ACH entry using the trace number in their back‑office system.

What does the ACH trace number (e.g., 091000010459614) mean, and how can I use it?

The ACH trace number is a unique identifier assigned to the transaction within the ACH network. The first part often relates to the originating bank, and the rest is a sequence number. You can give this full trace number to your bank’s support team so they can locate detailed information about the transaction, including the originator name and contact details, if available.

Why did this ACH ECC WEB transaction appear on my statement when I never wrote a check?

With electronic check conversion, a business can turn check details or bank account details you provided online into an electronic ACH debit instead of depositing a physical check. That means even if you never mailed or handed over a paper check, an online bill payment, account setup, or form where you entered your routing and account number can result in an ACH ECC WEB debit.

What should I do if I don’t recognize this ACH ECC WEB charge?

First, review any recent online bill payments, loan payments, insurance premiums, or subscriptions where you may have provided your bank account details. If nothing matches, contact your bank immediately, provide the full statement line and ACH trace number, and ask them to identify the originator. If it appears unauthorized, file an ACH dispute/unauthorized debit claim as soon as possible, as time limits apply.

Can I stop future ACH ECC WEB debits from the same originator?

Yes. Once your bank identifies the ACH originator, you can request a stop payment on future debits from that specific company, and you should also contact the company directly to cancel any authorizations or recurring payments you may have set up. Your bank can explain their stop‑payment process and any related fees.

How can I get a refund for an incorrect ACH ECC WEB transaction?

If the debit was made by a legitimate business but in the wrong amount or by mistake, contact the business (ACH originator) directly to request a refund and keep records of all correspondence. In parallel, notify your bank and ask about your rights under ACH rules and the timelines for disputing incorrect or unauthorized debits so they can help you initiate a formal claim if needed.

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