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Seeing a MSPBNA ACH TRANSFR charge on your statement?

Common ways MSPBNA ACH TRNSFR charges might appear on your statement

  • MSPBNA ACH TRNSFR
    MSPBNA ACH TRANSFER
    MSPBNA DES:ACH TRNSFR ID:##########
    MSPBNA ACH DEBIT
    MSPBNA ACH CREDIT
    MSPBNA ACH PAYMENT

What is MSPBNA ACH TRNSFR?

MSPBNA ACH TRNSFR refers to an Automated Clearing House (ACH) transfer processed by Morgan Stanley Private Bank, National Association (MSPBNA). This descriptor appears when funds are moved to or from a Morgan Stanley account, such as a brokerage, savings, or cash management account. Learn more at morganstanley.com.

Common causes for MSPBNA ACH TRNSFR charges

  • Transfers between your Morgan Stanley account and an external bank.
  • Automatic deposits or withdrawals tied to a brokerage or wealth-management account.
  • Bill payments, loan payments, or recurring transfers initiated through Morgan Stanley.
  • Refunds, dividends, or credits appearing as ACH transfers into your account.
  • Outgoing investment settlements or withdrawals processed electronically.

Decoding MSPBNA ACH TRNSFR charge tags

  • MSPBNA stands for Morgan Stanley Private Bank, National Association.
  • ACH TRNSFR / TRANSFER indicates an electronic funds movement through the ACH network.
  • DEBIT signals an outgoing payment, while CREDIT reflects incoming funds.
  • DES:ACH / ID:########## represent the ACH batch description and transaction reference number.
  • This descriptor is used by Morgan Stanley’s internal and client-facing cash management systems.

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What to do if you don’t recognize this charge

Spot, verify, and resolve suspicious charges in minutes.

  • Contact your bank.

    Call your bank using the number on the back of your card.

  • Contact the merchant.

    Call their customer service to verify the charge and get transaction details.

  • Dispute the charge & monitor account.

    If it appears fraudulent, report it to your bank or card issuer.

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