About Cash Concentration or Disbursement (CCD) ACH Entry
“Cash Concentration or Disbursement (CCD)” is an ACH (Automated Clearing House) transaction type used primarily for business-to-business payments. It appears on bank or card-linked accounts when funds are being moved electronically between business accounts, such as from a subsidiary to a parent company, from a customer’s business account to a vendor, or between a business and a payroll or treasury service. It is a standard NACHA transaction code, not the name of a specific company or merchant.
You may see “[CCD] Cash Concentration or Disbursement” in your statement description when a business-originated ACH transfer occurs, often for things like vendor payments, corporate cash pooling, lockbox collections, or automated disbursements. The actual company sending or receiving the money is usually indicated elsewhere in the transaction detail (sometimes in adjacent text on online banking, in your ACH addenda records, or in your accounting/payroll system), but CCD itself refers only to the transaction format.
If you have questions about a CCD charge or credit, first look for accompanying information in your online banking details or statements, such as company name, company ID, or invoice/payroll references. For business accounts, your treasury management or accounting team may have set up these transfers; check internal records, payroll systems, or AP/AR software for matching amounts and dates. If you still cannot identify the party behind the CCD entry, contact your bank’s ACH or treasury services department and provide the exact date, amount, and transaction ID so they can look up the originating company and help you resolve any disputes or unauthorized activity.