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BREADCRUMB

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 2. Nacha News
 3. New Routing Numbers Impacting ACH Processing


September 24, 2021
Blog
ACH


NEW ROUTING NUMBERS IMPACTING ACH PROCESSING


POSTED ON

September 24, 2021


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AUTHOR


ROB UNGER

Senior Director, Product Management & Strategic Initiatives



New Financial Institutions (FIs) get new routing numbers (a unique nine digit
identifier designating U.S. FIs and used for routing ACH transactions).
Established FIs can get new or additional routing numbers. Routing numbers can
change with mergers and acquisitions, or even be retired when no longer needed
(for example, when a bank closes). So, what’s that routing number, cucumber?
Keeping track of routing numbers and which FIs they belong to can be
challenging.

Consequently, there is growing evidence that some ACH Originators (banks,
payment processors, billers) are not updating their routing number directories,
which are used to validate ACH routing and account numbers prior to ACH
origination. Numerous ACH payments fail to be originated, and are blocked from
being originated, by banks and processors, because their routing number
validation tables are not current.  

This particularly impacts new routing numbers that are not added to payment
validation tables.  New routing numbers that fail payment validation, and are
rejected as not being legitimate, causes a bad experience for businesses and
customers. For example, when a consumer provides a new routing number (and
account) for a bill payment that is not recognized, the consumer may receive a
message like, “Do you have another account number?” or “Please use another
payment method.”  

A company that spoke with Nacha estimates that this issue impacts 10% of all ACH
payments for newly established routing numbers. Rejected payments for legitimate
routing numbers erodes confidence in ACH, and, in fact, this company reported
that a customer abandoned its ACH offering because of such issues.  

To keep ACH payments flowing smoothly, Nacha recommends that routing number
validation tables be updated at least monthly as a best practice. Here are some
options for obtaining current routing numbers:

 1. FIs can automate routing number information updates for FedACH (Federal
    Reserve financial services network) participants directly from the Federal
    Reserve. Contact the Customer Contact Center (CCC) at (888) 333-7010 for
    further information.
 2. Non-FIs can contact their Originating Depository Financial Institution
    (ODFI). The ODFI may be able to assist with routing number updates, via the
    ODFI’s Federal Reserve connection. Contact your ODFI representative for more
    information. 
 3. FIs and non-FIs alike can also get the latest routing number information
    from Accuity, a LexisNexis Risk Solutions company. Accuity, a Nacha partner,
    is the official registrar for ABA routing numbers. There are several
    products available that can help originators and ODFIs keep current on
    routing numbers:  EPICWare, US Routing and Transit Number File (RTN File),
    and Bankers Almanac Validate. For more information, contact Accuity’s
    payment specialist. 

 

So, stay current with routing numbers, cucumber. Then you’ll also know the
current FI name, choo-choo train!

 

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