If you’ve ever logged into your TD Bank account, downloaded a monthly statement, or reviewed your transaction history, you’ve likely encountered a confusing mix of letters, numbers, and abbreviations next to your deposits and withdrawals. Terms like POS, ACH, FEE, ATM, and the particularly elusive WPS can turn a simple financial review into a frustrating game of cryptic puzzles.

Understanding these TD Bank statement codes is not just about satisfying curiosity—it is essential for detecting fraud, managing your budget, and reconciling your accounts. In this comprehensive guide, we will break down the most common TD Bank statement codes, with a special focus on the mysterious WPS code, what it means, why it appears, and how to handle it.

TD Statement Code Lookup (or “Code Assistant”)

You can copy this into WPS Spreadsheet for easy lookup.

| Code | Meaning | Typical Transaction Type | |------|---------|--------------------------| | POS | Point of Sale | Debit card purchase | | ACH | Automated Clearing House | Direct deposit, bill pay, electronic transfer | | ATM | ATM withdrawal | Cash withdrawal or deposit at TD ATM | | TFR | Transfer | Between TD accounts or to external bank | | DEP | Deposit | Check or cash deposit | | FEE | Service fee | Monthly maintenance, overdraft, ATM fee | | INT | Interest earned | Interest on savings or checking | | RC | Returned check | Deposited check bounced | | NSF | Non-sufficient funds | Insufficient funds fee | | PYD | Paid | Loan or credit card payment | | BP | Bill payment | Online bill pay from TD account | | TEL | Telephone transfer | Transfer done via phone banking | | COR | Correction | Adjustment or reversal entry | | HOLD | Fund hold | Temporary hold on funds |

Follow these steps to identify the source of a WPS code on your statement:

Found often on digital statements or CSV/WPS exports.

| Code | Meaning | Explanation | | :--- | :--- | :--- | | ACH | Automated Clearing House | Electronic bank-to-bank transfers (common for direct deposits or subscriptions). | | NSF | Non-Sufficient Funds | A check or payment bounced due to lack of funds. Usually accompanied by a fee. | | REVERSAL | Transaction Reversal | A previous transaction was cancelled/returned by the merchant. |