交易代码
银行账单（Bank Statement）中看到了许多不同类型的活动。但大多数人不知道这些交易代码（Transaction Code）是什么意思，甚至对莫名其妙的交易感到恐慌。
以下是一些常见代码对照的意思，作为快速参考。
| Codes | Description | Codes | Description |
| ACR | Automated Credit | ADM | Automated Debit |
| ADR | Authorized Debit | AGR | Agriculture Stabilization |
| AID | Automatic Interest | ANN | Annuity |
| APM | Authorized/Automated Payment | APY | Automated Payroll |
| CB | Cashback | CC | Certified Cheque |
| CCQ | Customer Cheques | CDC | Canadian Dairy Commission |
| CFS | Canadian Forces Superannuation | CHQ | Cheque |
| CLS | Close Account | CM | Credit Memo |
| COR | Correction | CPC | CPC Direct Deposit |
| CPN | Coupon Credit | CPP | CPP Direct Deposit |
| CRC | Credit Correction | CSB | Canada Savings Bond |
| CTB | Child Tax Benefit | DEL | Debit Deletion |
| DEP | Deposit | DIV | Dividend |
| DM | Debit Memo | DRC | Debit Correction |
| FA | Family Allowance Direct Deposit | FED | General Government Payment |
| FSC | Foreign ABM S/C | FWD | Forward |
| GC | TD Canada Trust Access Card Transaction (Other Branch) | GMD | Green Machine Deposit |
| GMP | Green Machine Bill Payment | GMT | Green Machine Transfer |
| GMW | Green Machine Withdrawal | GST. | Goods and Services Tax |
| ICR | Interest Credit | IDR | Interest Debit |
| INS | Insurance Payment | INW | Interac Withdrawal |
| LCR | Loan Proceeds | LDR | Loan Payment |
| LIN | Loan Interest | MLD | Mail Deposit |
| MTG | Mortgage Payment | NRT | Non-Resident Tax |
| NSF | NSF Charge | OAS | Old Age Security Direct Deposit |
| ODC | Overdraft Charge | PAY | Payroll Credit/Wages |
| PEN | Pension | P/C | Purchase/Cashback |
| PR | Purchase/Return | PSA | Public Service Superannuation |
| PSC | Purchase Service Charge | PTC | Personal Transfer Credit |
| PTD | Personal Transfer Debit | PTS | Personal Transfer |
| PUR | Purchase | PW | Plus ABM Withdrawal |
| REO | Re-Open Account, Close Account Correction | RIF | RIF Deposit |
| RTD | Returned Cheque | RSP | RSP Contribution |
| SC | Service Charge | SDB | Safety Deposit Box Rent |
| SK | Safekeeping Charge | TAX | Tax Refund |
| TCR | Transfer Credit | TRM | Term Investment |
| UCN | Unclaimed Balance Notice | UI | Unemployment Insurance |
| UGM | US Dollar GM Withdrawal | UPD | Update |
| VW | Visa ABM Withdrawal | WD | Withdrawal |
| WHT | Withholding Tax | WTC | Debit Reversal Correction |
| WTR | Withholding Tax Reversal | WVA | War Veteran’s Allowance Direct Deposit |
税务或工资相关
| Tax Payment Type | Description Code |
| Payroll deductions – Threshold 1 – Twice monthly (source deductions $15M – $50M monthly) | EMPTX |
| Payroll deductions – Threshold 2 – Weekly (source deductions over $50M monthly | EMPTX |
| Payroll deductions – Monthly | EMPTX |
| Corporate Tax | TXINS |
| Personal Tax Installments | TXINS |
| GST Return (GST34) | GST34 |
| GST Remittance (GST58) | GST58 |
Alberta 省相关代码
| Tax Payment Type | Description Code |
| Alberta Teachers’ Retirement Payment | ATRF |
| Alberta Teachers’ Association Payment | ATA |
| Alberta School Employee Benefit Payment | ASEBP |
| Alberta School Employee Health Spending Account | ASEHS |
British Columbia 省相关代码
| Tax Payment Type | Description Code |
| Social Service Tax (Provincial Sales Tax) | BCSST |
Nova Scotia 省相关代码
| Tax Payment Type | Description Code |
| Workers’ Compensation Board | WCBNS |
Ontario 省相关代码
| Tax Payment Type | Description Code |
| Family Responsibility Office, Ministry of the Attorney General | MAG |
| Employer Health Tax | ONEHT |
| Provincial Corporations Tax | ONCT |
| Retail Sales Tax (return) | ONRST |
| Retail Sales Tax (payment) | ONRST |
Quebec 省相关代码
| Tax Payment Type | Description Code |
| Combined Sales Tax and GST (TVQ & TPS) | TXIN |
| Combined Sales Tax and GST Installment | DECOR |
| Corporate Installment Remittance | GSTIN |
| G.S.T. Installment | GST |
| G.S.T. Remittance | PAY |
| Payroll Source Deductions – Monthly | PAY |
| Payroll Source Deductions – Twice monthly | PAY |
| Payroll Source Deductions – Weekly | COREC |
| Personal Installment Remittance | TXIN |
| Sales Tax Installment (QST) | QSTIN |
| Sales Tax Remittance (TVQ) | TVQAP |
| Support Payments | RPPAQ |
| Remittance of Source Deductions (Quarterly) | PAY |
Saskatchewan 省相关代码
| Tax Payment Type | Description Code |
| Provincial Sales Tax | SKTAX |
| Corporate Capital Tax Installment | SKCOR |
| Fuel Tax | SKFUL |
| Liquor Consumption Tax | SKLQR |
| Retailer Tobacco Tax | SKTOB |
| Wholesale Tobacco Tax | SKTOB |
商户代码
商户代码（Merchant Code）也经常会显示在账单上，通常与交易代码一起。下面列表是一些常见商户：
| 商户名缩写 | 商户全名 |
|---|---|
| (A – C) | |
| AGF MTF | AGF Mutual Funds |
| AGR/AGR | Agriculture/Stabilization Payment |
| AHC | Alberta Health Care |
| AIP/RAA | Automobile Insurance Plan |
| ANN/REN | Annuity |
| AP/CC | Accounts Payable |
| APY/PAA | Auto Payment |
| AQUA FINANCE LOAN | Water softener products etc. |
| ARCH TRANSCO | Taxi company with portable internet access |
| BCF | BC Ferry |
| BCLC | BC Lottery Corporation |
| BDP* | Business Development Program of Canada |
| BDP* | BC Student Loan |
| BIPI | Brownstone Investment Planning Inc. (CIMC) |
| BLC/LBC MSP | Banque Laurentian Du Canada/ Laurentian Bank |
| BPI | Balance Protection Insurance |
| BPY/FAC | Bill Payment (Phone, Hydro, Cable, Fuel, Utility) |
| BUS/ENT | Business Pre-Authorized Payment |
| *<消费者全名>* MSP | Transaction from Paypal where a previous debit attempt was unsuccessful |
| C*<C后面通常有5位数>* | Shell Gas Station |
| CA | Credit Application (1-888-283-1055) |
| Canada FED | Energy Rebates from the Government of Canada |
| Canada FPT | Government Deposit |
| Canada GSL | Canada Government Student Loan |
| Canada LP_v | Cogeco Cable |
| Canada PRO | Working Parent Family Bonus |
| Canada RIT | Return Income Tax/Tax Return Refund |
| CBC | Canadian Bonded Credit (1-866-830-7434) |
| CCQ/CHP | Customer Cheques |
| CDC/CCL | Canadian Dairy Commission |
| C.D.T.C INC MSP | Visa Desjardin |
| CFS/PFC | Canadian Forces Superannuation |
| CHQ #00000 W/ AMOUNT 41.73 | Curves for Women fitness club |
| CLGEDUL | Edulinx |
| CM 888-505-5426 BUS | “Cash Money” store |
| CMS/GES | Cash Management |
| CNT/ITV | Cannot Trace |
| COT | Cotis Frequency Contributor (Edward Jones) |
| CPC/SCP | Canada Post Corporation |
| CPP/RPC | Canadian Pension Plan |
| CRS | Cutter Recovery Services 1-866-483-5024 x2237 |
| CSB/OEC | CSB Interest |
| CSC Fee | Curzon’s Management Associates Inc. |
| CSLP GSL | National Student Loan Services Center |
| CSP | Canada Savings Bond |
| CST | Canadian Scholarship Trust |
| CT2 CMS | Pay Day Loan Store |
| CTC/CIE | Child Tax Credit |
| CTFA | CT Financial Assurance (TD Insurance,) |
| CVS | Cheque Verification System |
| (D – L) | |
| DEB/DEF | Institution in Default |
| DEC/DEC | Payor/Payee Deceased |
| DEML | Atco Gas/Direct Energy |
| DERS BPY or MSP | Direct Energy Regulated Services |
| DCSERVICESCANADA | Daimler Chrysler of Canada |
| DFS ASS | Desjardines Fin. Secur |
| DIV/DVD | Dividend (Common or Preferred) |
| DON/DON | Donations |
| DTE/DTE | Post/Stale Dated |
| EAA/AAE | Employment Assistance Allowance |
| eCHK | Insta Debit |
| EI/AE | Employment Insurance |
| EJ Fee/Fraise MSP | Edward Jones Investment Company |
| EPMTX | Payroll Taxes |
| EXP/RDD | Expense Payment |
| FA/AF | Family Allowances |
| FED/FED | Federal Government |
| FEE/FRA | Fees/Dues |
| FMEP BC MSP | Family Maintenance Enforcement Program (Child Support) |
| FPT | Combined Federal and Provincial Tax |
| FSP/ROF | Family Support Plan |
| F.S.S.T CST | Worker’s Compensation (in Quebec) |
| F.S.S.T CST | Pay Day Loan Store |
| GAINSTPS MSP | Ontario Guaranteed Annual Income System |
| G.E.T.F MSP/REP | Global Education Trust Fund |
| GLS/ETU | Government Student Loans |
| GS Canada | Green Line Service Canada |
| GST/TPS | Goods and Services Tax |
| HAC | Hamilton Auto Corp. |
| HCFI | Honda Canada Finance |
| HDC/SDR | Health/Dental Claim Insurance |
| HHL – PIA MSP | Halifax Herald newspaper |
| HRD/DRH | HRDC – Training |
| HSG/LOG | Housing Allowance |
| IA-PAC MSP | An RESP company |
| IAP/PAI | Internet Access Payment |
| ICM MSP | Pay Day Loan Store |
| INS LOC | Line of Credit Insurance (1-888-983-7070) |
| INS/ASS | Insurance (Life, Auto Property, Mortgage, Casualty) |
| INT/INT | Interest |
| INV/PLA | Investment |
| ISB/PSR | Income Security Benefits |
| KCI CMS | King Cash Investments CMS |
| L&M(BLOOR)MSP | Long & McQuade Ltd (Bloor) |
| LAF | L.A. Fitness |
| LNS/PRE | Loans (Personal, Farm, Home, Term Insurance) |
| LPP/PDL | Lottery Prize Payment |
| (M – S) | |
| MBFSCC | Mercedes Benz Financial |
| MFC | McKenzie Funds Corp (Mutual Fund) |
| MFC (后面会接续几个数字) | Manulife Financial Benefits Deposit |
| MFC TDAET10201 MSP | Manufacturers Life Insurance (Health Spending Account Claims) |
| MFQ | Quebec Child Tax Credit |
| MFQ/SAE | Ministry of Finance (Quebec EI) |
| ML CMS | Maple Leaf Loans |
| MOGO | Money on the Go (Calgary)-Similar to Money Mart |
| MRQ | Ministre Revenue de Quebec |
| MSP/DIV | Misc Payments |
| MTF/FMU | Mutual Funds |
| MTG/HYP | Mortgage (Residential, Commercial, Farm) |
| MTO RUS-SO ECHANNEL | Ontario Ministry of Transportation |
| MTO RUS ECHANNEL | Ontario Ministry of Transportation |
| NCB (UCFS) | National City Bank (UCFS) |
| NCO DIN SER MSP | collections agency |
| NCO FIN SER | APEX Item – Could be a charge from a third party |
| NOR.CAN.EVAN.MI MSP | Charity Deposit |
| NSLSC | National Student Loan Services Centre |
| OAS/SV | Old Age Security |
| OF/IA | Offences and Fines |
| OLG | Ontario Lottery and Gamin |
| ON *Online | Old Navy |
| ONLINE – BR | GAP and BANANA REPUBLIC |
| ON MSP | Honda Canada Finance |
| PAP REJECTED | TD Visa PAP rejected |
| PAY/PAY | Payroll Deposit |
| PC # _____ – | Price Chopper stores |
| PC Mastercard | President’s Choice Mastercard |
| PDL | Pay Day Lenders |
| PEN/PEN | Federal Provincial or Private Pension |
| PFB/PFA | Provincial Family Benefits |
| PFC Fee | Premier Fitness Club |
| PFS | Primerica Financial Services |
| PHC | Provincial Housing Corporation |
| PHC/FAM | Provincial Health Care Premium |
| PLAN ADMIN FEE / TDWIS FEE | TD Waterhouse Annual Fee |
| PPSA | Personal Property Security Assurance |
| PRO/PRO | Provincial Government |
| PSC | Premiere Fitness |
| PSC Fee | Premiere Health Club |
| PSS/PFP | Public Service Superannuation |
| RCL CHEQUE FEE | Royal Credit Line Cheque Fee |
| RCSS | Real Canadian Superstore |
| REP/REE | RESP Contribution |
| RIF/FRR | Retirement Income Fund |
| RIT | Return Income Tax/Tax Return Refund |
| RLS/LOY | Rent(Residential, Commercial, Equipment, Automobile) |
| RPM MSP | Honda Canada Finance |
| RSC | Regency Sports Club |
| RSP/RER | RSP Contribution |
| SCU MSP | Servus Credit Union Ltd. |
| Social Development Canada | Collection Agency for the government of Canada |
| SPL Loan | Scotia Bank Loan (SCOTIA PLAN) |
| SRP/RDC | Spousal RSP Contribution |
| (T – Z) | |
| TDSB | Toronto District School Board |
| The Cash Store | Payroll Loan |
| THS | Toronto Humane Society |
| TM CANADA INC | Ticket Master |
| TMSL VR | Trilogy Management Services |
| TOR HYD ELECT | Toronto Hydro |
| TXD/DIM | Debt CCRA Government of Canada |
| UCFS | National City Bank |
| USC | University Scholarships of Canada (RESP) |
| VA/AAC | War Veteran’s Allowance |
| WBP/CE | Water Bill Payment |
| WCB/CST | Worker’s Compensation Board |
| WSPA | World Society Prevention Animals |
| WU *<确认单号>* | Western Union |
| YIG | Your Independent Grocer |
