Unless you are disclosing a balance that includes overdraft funds (from an account or LOC transfer or from the bank's overdraft service), you aren't required to use specific descriptions. I do, however, recommend providing the customer the information that he had use to figure out what the number means.
If you are disclosing a balance with overdraft funds you have some compliance problems. You need to adhere to the requirements of Reg DD §§ 230.11(b) and (c). With the possible exception of some smartphones, you may not be able to comply in a mobile application.
John S. Burnett
Fighting for Compliance since 1976
Bankers' Threads User #8