Accredited ACH Professional (AAP) Practice Exam 2026 - Free AAP Practice Questions and Study Guide

The Standard Entry Class Code used to convert checks is ARC, which stands for Accounts Receivable Conversion. This code is specifically designed for the conversion of consumer checks into ACH transactions. When a check is presented for payment, the merchant or service provider can use the ARC code to capture the customer's account information and process it electronically. This method streamlines the payment process, reduces the handling of physical checks, and helps ensure that payments are processed more efficiently.

The other codes listed, while relevant to various types of ACH transactions, do not pertain to check conversion. CCD (Cash Concentration or Disbursement) is used for business-to-business transactions, BUL (Bulk File) relates to bulk processing of ACH entries, and POS (Point of Sale) is associated with transactions initiated at points of sale, such as debit card transactions. Each code serves specific transaction types and processes, making ARC the appropriate choice for check conversion scenarios.