Kearfottia albifasciella - Hodges#0319
(White-banded Kearfottia Moth).
Photo: 08/12/18.

Found throughout much of eastern North America, this little moth has a dark brown body with a central white or beige band. The species feeds on plant debris, fungus, and rotting animal as well as vegetation. The wing span is 9-10 mm.  

bug guide (these photos):