> ## Documentation Index
> Fetch the complete documentation index at: https://docs.synctera.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Understanding ACH Subtypes

#### **How can I interpret ACH subtypes on the Synctera Platform?**

ACH transactions have unique subtypes that can be filtered for in Transaction Lists. What do they mean exactly?

**Outgoing**: Synctera/Bank is ODFI<br />**Incoming**: Synctera/Bank is RDFI<br /><br />Whether it is marked as debit/credit is within the frame of reference of the institution receiving the ACH (RDFI). E.g.

* Outgoing debit: “I am debiting your account”
* Incoming credit: “You are crediting my account”

More concretely:<br /><br />**Outgoing debit**: Originated with Synctera’s ACH API, pulling money from an external account into the Synctera account.<br />Balance impact: Debit to external account, Credit to Synctera account<br /><br />**Outgoing credit**: Originated with Synctera’s ACH API, pushing money out of the Synctera account into an external account.<br />Balance impact: Debit to Synctera account, Credit to external account<br /><br />**Incoming credit**: Originated at another institution, pushing money from the external account into the Synctera account.<br />Balance Impact: Debit to external account, Credit to Synctera account<br /><br />**Incoming debit**: Originated at another institution, pulling money from the Synctera account into the external account.<br />Balance Impact: Debit to Synctera account, Credit to external account.