Here’s what “ACH Credit SBAD TREAS 310 – MISC PAY NTE*PMT*EIDG” or “ACH Credit SBAD TREAS 310 – MISC PAY NTE*PMT*EIDL” in your account means.

A brand new scam, trying to get you to download malware, has just hit the Internet. “The ACH transaction recently sent from your checking account (by you or any other person), was canceled by the Electronic Payments Association” says the spam in which it is contained. There is a link to a file that you are supposed to download to “see the details of the report”. Don’t download that file! The file name format is “report_FakeTransaction#.pdf.exe” so, for example, report_33047451352379.pdf.exe. So far the scam mail has pretended to come from NACHA.org, although they are actually coming through an ISP in the Ukraine (ukrtel.net). ACH, by the way, stands for Automated Clearing House, which is a system that processes electronic banking transactions.