ACH — invalid ABA 3-7-1 check digit on an entry routing number
A WEB debit file in which one receiving bank is 026009594 — a routing number that fails the ABA 3-7-1 check digit (the real one is 026009593). Only position 12 of the entry is wrong, so the entry hash and every control total still reconcile: the check digit is the one control that catches a single mistyped digit, and this file is the proof that the totals alone will not. The other two entries and all the trailers are correct, so the validator reports exactly one error.
Nacha 94-character — Invalid
A WEB debit file in which one receiving bank is 026009594 — a routing number that fails the ABA 3-7-1 check digit (the real one is 026009593). Only position 12 of the entry is wrong, so the entry hash and every control total still reconcile: the check digit is the one control that catches a single mistyped digit, and this file is the proof that the totals alone will not. The other two entries and all the trailers are correct, so the validator reports exactly one error.
What this file shows
A WEB debit file in which one receiving bank is 026009594 — a routing number that fails the ABA 3-7-1 check digit (the real one is 026009593). Only position 12 of the entry is wrong, so the entry hash and every control total still reconcile: the check digit is the one control that catches a single mistyped digit, and this file is the proof that the totals alone will not. The other two entries and all the trailers are correct, so the validator reports exactly one error.
| Transactions | 3 |
|---|---|
| Total | $163.98 |
| Date in the file | 2026-07-12 |
The defects it carries
- CheckDigitEntrée (enregistrement 4) : le check digit du routing number « 026009594 » est invalide (algorithme ABA 3-7-1).
Quoted verbatim from the validator, not paraphrased.
Every party, IBAN and amount below is fictitious. The IBANs are structurally valid — they pass the mod-97 check — but they belong to no real account.
File content
101 091000019 0910000192607121200A094101RECEIVING BANK ORIGIN BANK
5225STREAMBOX MEDIA 5551234567WEBSUBSCRIPT 260712 1091000010000001
6271210428821122334455 0000001499ORD-9911 PAUL JONES R 0091000010000001
6270260095945566778899 0000004999ORD-9912 ANA SOUSA R 0091000010000002
6271110000258899001122 0000009900ORD-9914 NINA PATEL S 0091000010000003
822500000300258052490000000163980000000000005551234567 091000010000001
9000001000001000000030025805249000000016398000000000000
9999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999
9999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999
9999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999
How we know these results hold
Every file in this library is run through the site's own validator on each build. The expected result stated above is asserted by an automated test — if a file stopped matching what this page claims, the build would fail. Two inherited fixtures were repaired this way before publication: three IBANs failed the mod-97 check and several names used characters outside the basic SEPA character set.
ACH / NACHA file (US)
- ACH — a returned WEB debit (R01, insufficient funds)
- ACH — a notification of change (C01, corrected account number)
- ACH — an international entry (IAT) with its seven mandatory addenda
- ACH — PPD payroll credits, balanced with an offset debit
- ACH — CCD corporate debits with an addenda 05 remittance
- ACH — WEB debits (e-commerce, recurring and single-entry)
- ACH — CTX with seven addenda 05 carrying an EDI 820
- ACH — entry hash mismatch (truncated or tampered file)
- ACH — batch control debit total ≠ the sum of its entries