ACH Standard Entry Class code

TRC SEC code: Truncated Entry

Debit for a check truncated under a check truncation program.

What TRC is for

A debit for a check truncated under a check truncation program: the check itself is kept and only its data moves.

The account a truncated check is drawn on.

Authorization

Governed by the check truncation program’s agreements.

A summary in general terms: the Nacha Operating Rules set the exact requirements, and Regulation E adds its own for consumer accounts.

Debits, credits and addenda

Debits only. A credit sent as TRC is returned R36.

Addenda on a forward entry: none on the forward entry. Returns (addenda type 99) and Notifications of Change (type 98) follow their own layouts whatever the SEC code.

Returns

An RDFI that doesn’t take part in the program is returned R30 by the ACH Operator.

R30RDFI Not Participant in Check Truncation Program

Common mix-ups

TRC carries one truncated check per entry; TRX batches many, listed in addenda records.

Where TRC sits in a NACHA file

The SEC code is a batch-level field: positions 51–53 of the Company/Batch Header record (type 5), so every entry in the batch shares it, and a file that mixes SEC codes puts them in separate batches. The batch header also carries the Company Name, Company Identification and Company Entry Description that Receivers see on their statements.

To read a TRC batch record by record, open the file in NACHA Navigator, a free sister site that parses NACHA files in your browser without uploading them.

Look up TRC from code or an AI agent

REST · GET · no key

curl -s 'https://payopskit.com/api/v1/codes/TRC?set=ach-sec'

MCP · tools/call · lookup_payment_code

{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "lookup_payment_code",
    "arguments": {
      "code": "TRC",
      "set": "ach-sec"
    }
  }
}

Response (JSON)

{
  "code": "TRC",
  "set": "ach-sec",
  "found": true,
  "matches": [
    {
      "set": "ach-sec",
      "code": "TRC",
      "name": "Truncated Entry",
      "description": "Debit for a check truncated under a check truncation program.",
      "details": {
        "direction": "debit",
        "addendaTypes": null,
        "minAddenda": 0,
        "maxAddenda": 0
      }
    }
  ]
}

The MCP server is at /mcp (Streamable HTTP, no key); the API and MCP docs show how to connect Claude, Cursor or VS Code.

Source: Nacha Operating Rules, Appendix Three (Standard Entry Class codes). The code’s name is the Rules’ own; the rest is this site’s plain-language summary, informational and not a substitute for the Rules or your ODFI agreement.