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Oracle Cash Management User Guide
Release 12.1
Part Number E13483-04
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Country Specific Bank Account Validations

This appendix covers the following topics:

Introduction

This appendix outlines the country specific bank account validation rules performed in Release 12. The following information is presented for certain countries:

The following countries have country specific validations:

Australia, Austria, Belgium, Brazil, Denmark, Colombia, Finland, France, Germany, Greece, Iceland, Ireland, Israel, Italy, Japan, Luxembourg, Netherlands, New Zealand, Norway, Poland, Portugal, Spain, Sweden, Switzerland, United Kingdom, and United States.

When entering new bank accounts, different countries can have certain rules governing the format and content of the following related fields:

A new profile option, "CE: Disable Bank Validations" has been introduced. This profile can be set at the site, application, responsibility or user level. The profile is seeded with a default value of 'No' at the site level. The country-specific validations pertaining to the bank number, branch number, account number and check digit can be disabled by this profile option.

If the profile is set to 'Yes', these validations will not fire. If the profile is set to 'Yes' a tip is displayed on the Bank, Branch and Account setup pages. This indicates that the validations have been disabled. A similar tip is displayed in the Supplier (Oracle Payments) Bank Setup UI.

The checks for unique banks, branches, accounts and the mandatory requirement of bank account number are not affected by this profile.

Bank Account Validation by Country

The following points are applicable to all the countries:

Australia

Validation Rules

The fields are checked for validity by adopting the following rules:

Field Rules
Bank Number
  • Optional.

  • If entered, the length should be either 2 or 3 numeric characters.

Branch Number
  • Mandatory.

  • The combined length of the Branch Number and Bank Number should be 6 numeric characters.

  • It must be 3 digits, if the Bank Number entered is 3 digits, or 4 digits, if the Bank Number entered is 2 digits, or 6 digits, if the Bank Number is not entered.)

Account Number
  • Length should be between 6 to 10 characters.

  • If the account currency is Australian Dollar, account number should be numeric. For foreign currencies, alpha-numeric values are allowed.

Check Digit
  • No validation.

Austria

Validation Rules

The fields are checked for validity by adopting the following rules:

Field Rules
Bank Number
  • Optional.

  • Length should be of 5 numeric characters.

Branch Number
  • Mandatory.

  • Length should be of 5 numeric characters.

Account Number
  • Length should be a maximum of 11 numeric characters.

  • If the length is less than 11, then it is converted to a 11 digit number by prefixing it with as many leading zeroes as is necessary.

Check Digit
  • No validation.

Belgium

Validation Rules

The fields are checked for validity by adopting the following rules:

Field Rules
Bank Number
  • No validation.

Branch Number
  • No validation.

Account Number
  • Length should be of 12 numeric characters.

  • It should be in the format 999-9999999-99.

  • A check algorithm is applied on the Account Number.

Check Digit
  • No validation.

Check Algorithm for Account Number

  1. The entered check digit (CD1) is the last two digits of the Account Number.

  2. The calculated check digit (CD2) is derived by concatenating the first two sections of the Account Number and calculating the remainder on dividing this by 97. If the remainder is equal to '0', then the calculated check digit is taken to be '97'

  3. If the entered check digit (CD1) and calculated check digit (CD2) are equal, then the Account Number is valid, else the check has failed.

  4. Additionally, if the entered check digit (that is, the last section) is '00', then the Account Number is invalid because the calculated check digit can never be '00' as per the 3rd point.

Example using account number '123-4567890-78'.

Brazil

Validation Rules

The fields are checked for validity by adopting the following rules:

Field Rules
Bank Number
  • Mandatory.

  • Length should be a maximum of 3 numeric characters.

  • If the length is less than 3, then it is converted to a 3 digit number by prefixing it with as many leading zeroes as is necessary.

Branch Number
  • Mandatory.

  • Length should be a maximum of 6 alphanumeric characters.

Account Number
  • No validation.

Check Digit
  • No validation.

Company Code
  • Optional.

  • This is entered in the Account Creation form.

  • If entered, length should be a maximum of 15 numeric characters

Colombia

For Colombia, there are no validations for Bank Number, Branch Number, Account Number, or Check Digit fields

Validation Rules

The fields are checked for validity by adopting the following rules:

Field Rules
Tax Payer ID
  • This is entered in the Bank Creation form.

  • Mandatory.

  • Length should be a maximum of 15 numeric characters

    14 digits for Tax Payer ID plus the last digit for check digit.

  • It is unique within the country.

  • Cross Validations of Tax Payer ID in Customers, Suppliers, and Companies. If the Tax Payer ID is used by a Customer, Supplier, or a Company, then the Customer name, Supplier name, or the Company name should match with the Bank name.

  • A check digit is applied on the Tax Payer ID.

Check Algorithm for Tax Payer ID

  1. The first 14 digits are multiplied by the associated factor.

    Digit Factor
    1st 71
    2nd 67
    3rd 59
    4th 53
    5th 47
    6th 43
    7th 41
    8th 37
    9th 29
    10th 23
    11th 19
    12th 17
    13th 13
    14th 7
  2. These 14 products are added and the sum is divided by 11.

  3. If the remainder is 1 or 0, then the Check Digit should be 1 or 0 respectively.

  4. If the remainder is not 1 or 0, then the remainder is subtracted by 11 and that should be the Check Digit.

Denmark

Validation Rules

The fields are checked for validity by adopting the following rules:

Field Rules
Bank Number
  • No validation.

Branch Number
  • No validation.

Account Number
  • Length should be a maximum of 10 numeric characters

Check Digit
  • No validation.

Finland

Validation Rules

The fields are checked for validity by adopting the following rules:

Field Rules
Bank Number
  • No validation.

Branch Number
  • No validation.

Account Number
  • Length should be a maximum of 15 numeric characters

  • A check algorithm is applied on the Account Number.

Check Digit
  • No validation.

Check Algorithm for Account Number

A check value (Check) is formed, from the user entered Account Number. The method used to form this value depends upon the first digit of the account number as given in the following table:

If 1st digit of Account Number is... Check Value Method
1 1
2 1
3 1
4 2
5 2
6 1
7 2
8 1
9 1

Method 1

Method 2

A computed sum is then calculated based on the value of Check. Different calculations are performed depending on the first two digits of the formed Check value.

France

Validation Rules

The fields are checked for validity by adopting the following rules:

Field Rules
Bank Number
  • Mandatory.

  • Length should be a maximum of 5 numeric characters.

  • If the length is less than 5, then it is converted to a 5 digit number by prefixing it with as many leading zeroes as is necessary.

Branch Number
  • Mandatory.

  • Length should be a maximum of 5 numeric characters.

  • If the length is less than 5, then it is converted to a 5 digit number by prefixing it with as many leading zeroes as is necessary.

Account Number
  • Length should be a maximum of 11 numeric characters.

  • If the length is less than 11, then it is converted to a 11 digit number by prefixing it with as many leading zeroes as is necessary.

Check Digit
  • Optional.

  • Length should be a maximum of 2 numeric characters.

  • If the check digit is less than 2 digits, then it is converted to a 2 digit number by prefixing it with a zero.

  • A check algorithm is applied on the check digit.

Check Algorithm for Check Digit

A check digit is calculated (CD1) from the Account Number, Bank Number, and Branch Number in the following manner. This is then used as the basis for the check digit validity test.

CD1

For the check algorithm, the digits of the Account Number entered as characters 'A' to 'Z' are converted to numeric values, the French government provides the following conversion table:

Value Conversion
A, J 1
B, K, S 2
C, L, T 3
D, M, U 4
E, N, V 5
F, O, W 6
G, P, X 7
H, Q, Y 8
I, R, Z 9

Example using account number 'A1234567890':

The letter 'A' is converted by applying the above table to '1', so the account number becomes '11234567890'.

A value for CD1 is formed by joining together the bank fields in the following way:

Germany

Validation Rules

The fields are checked for validity by adopting the following rules:

Field Rules
Bank Number
  • Optional.

  • If entered, then the length should be of 8 numeric characters.

Branch Number
  • Optional.

  • If entered, then the length should be of 8 numeric characters.

  • If the Bank Number and Branch Number are entered, then both values must match.

Account Number
  • Length should be a maximum of 10 numeric characters.

  • If the length is less than 10, then it is converted to a 10 digit number by prefixing it with as many leading zeroes as is necessary.

Check Digit
  • Optional.

  • If a value is entered for the check digit, then it must be a single digit and must match the last digit of the Account Number.

Greece

Validation Rules

The fields are checked for validity by adopting the following rules:

Field Rules
Bank Number
  • Optional.

  • If entered, then the length should be of 3 numeric characters.

Branch Number
  • Optional.

  • If entered, then the length should be of 4 numeric characters.

Account Number
  • Length should be between 8 to 16 alphanumeric characters.

Check Digit
  • Optional.

  • If a value is entered for the check digit, then it must be a single digit.

Iceland

Validation Rules

The fields are checked for validity by adopting the following rules:

Field Rules
Bank Number
  • Optional.

  • If entered, then the length should be of 4 numeric characters.

Branch Number
  • Optional.

  • If entered, then the length should be of 4 numeric characters.

  • If the Bank Number and Branch Number are entered, then both values must match.

Account Number
  • Length should be a maximum of 18 numeric characters.

  • If the length is less than 18, then it is converted to a 18 digit number by prefixing it with as many leading zeroes as is necessary.

  • A check algorithm is applied on the Account Number.

Check Digit
  • Optional.

  • If a value is entered for the check digit, then it must be a single digit and must match the seventeenth digit of the Account Number.

Check Algorithm for Account Number

  1. Check algorithm is performed against the Account Number (from digit 9 to 16). Each of these digits is multiplied with the factors as given in the following table:

    Digit Factor
    9th 3
    10th 2
    11th 7
    12th 6
    13th 5
    14th 4
    15th 3
    16th 2
  2. These products are added and the sum is divided by 11. The remainder obtained as a result of this division is subtracted from 11 to obtain the calculated check digit. If remainder is 0, then calculated check digit is taken as 0.

  3. This calculated check digit should match the entered check digit (seventeenth digit of the Account Number), else the Account Number is not valid.

Ireland

Validation Rules

The fields are checked for validity by adopting the following rules:

Field Rules
Bank Number
  • Optional.

  • If entered, then the length should be of 6 numeric characters.

Branch Number
  • Optional.

  • If entered, then the length should be of 6 numeric characters.

  • If the Bank Number and Branch Number are entered, then both values must match.

Account Number
  • Length should be a maximum of 8 numeric characters.

Check Digit
  • Optional.

  • No validation.

Israel

Validation Rules

The fields are checked for validity by adopting the following rules:

Field Rules
Bank Number
  • Mandatory.

  • Length should be a maximum of 2 numeric characters.

Branch Number
  • Mandatory.

Account Number
  • No validation.

Check Digit
  • Optional.

  • No validation.

EFT Number
  • Optional.

  • Length should be a maximum of 8 numeric characters.

  • No validation.

Italy

Validation Rules

The fields are checked for validity by adopting the following rules:

Field Rules
Bank Number
  • Mandatory.

  • Length should be a maximum of 5 numeric characters.

Branch Number
  • Mandatory.

  • Length should be a maximum of 5 numeric characters.

Account Number
  • Length should be a maximum of 12 alphanumeric characters.

Check Digit
  • Mandatory.

  • Length should be a single alphabetic character.

  • A check algorithm is applied on the Check Digit.

Check Algorithm for Check Digit

The check digit is used to validate against the Bank Number, Branch Number, and Account Number. These are concatenated to obtain a 22 character string.

Each character is assigned a value depending upon whether the character is in an odd position or an even position in the string as given in the following table.

Even Position Values Odd Position Values
A/0 = 0 A/0 = 1
B/1 = 1 B/1 = 0
C/2 = 2 C/2 = 5
D/3 = 3 D/3 = 7
E/4 = 4 E/4 = 9
F/5 = 5 F/5 = 13
G/6 = 6 G/6 = 15
H/7 = 7 H/7 = 17
I/8 = 8 I/8 = 19
J/9 = 9 J/9 = 21
K = 10 K = 2
L = 11 L = 4
M = 12 M = 18
N = 13 N = 20
O = 14 O = 11
P = 15 P = 3
Q = 16 Q = 6
R = 17 R = 8
S = 18 S = 12
T = 19 T = 14
U = 20 U = 16
V = 21 V = 10
W = 22 W = 22
X = 23 X = 25
Y = 24 Y = 24
Z = 25 Z = 23

The first character on the left is an odd position.

The values assigned are added up and the sum is divided 26. The remainder obtained as a result of this division is converted into an alphabet as given in the following table:

Transformation Algorithm

Calculation Calculation Calculation
0 = A 9 = J 18 = S
1 = B 10 = K 19 = T
2 = C 11 = L 20 = U
3 = D 12 = M 21 = V
4 = E 13 = N 22 = W
5 = F 14 = O 23 = X
6 = G 15 = P 24 = Y
7 = H 16 = Q 25 = Z
8 = I 17 = R  

This value should be the same as the user entered check digit or else the Check Digit validation fails.

Japan

Validation Rules

The fields are checked for validity by adopting the following rules:

Field Rules
Bank Number
  • Mandatory.

  • Length should be 4 numeric characters.

Alternate Bank Name
  • Mandatory.

Branch Number
  • Mandatory.

  • Length should be 3 numeric characters.

Alternate Branch Name
  • Mandatory.

Account Number
  • Deposit Type should also be entered.

  • No validation.

Check Digit
  • No validation.

Luxembourg

Validation Rules

The fields are checked for validity by adopting the following rules:

Field Rules
Bank Number
  • Optional.

  • If entered, then the length should be 3 numeric characters.

Branch Number
  • Optional.

  • If entered, then the length should be 3 numeric characters.

  • If the Bank Number and Branch Number are entered, then both values must match.

Account Number
  • Length should be 13 alphanumeric characters.

Check Digit
  • Optional.

  • If a value is entered for the check digit, then the length should be 2 numeric characters.

Netherlands

Validation Rules

The fields are checked for validity by adopting the following rules:

Field Rules
Bank Number
  • No validation.

Branch Number
  • No validation.

Account Number
  • Two types of account numbers are validated:

    • If the first character of the account number is 'P' or 'G', this indicates a Post or Giro Account. For such account numbers, the format should be P or G followed by a maximum of 7 numeric characters.

    • For other account numbers, the length should be between 9 and 10 numeric characters.

  • A check algorithm is applied on the Account Number

Check Digit
  • No validation.

Check Algorithm for Non-Post or Giro Account Number

  1. If the length is less than 10, then it is converted to a 10 digit number by prefixing it with as many leading zeroes as is necessary.

  2. The Netherlands government provides the following factor table for each of the 10 digits:

    Digit Factor
    1st 10
    2nd 9
    3rd 8
    4th 7
    5th 6
    6th 5
    7th 4
    8th 3
    9th 2
    10th 1
  3. These are multiplied and the sum of the products is calculated

  4. If the result so obtained is perfectly divisible by 11 (that is, no remainder on division by 11), then the test is successful, else the account number entered is not valid.

New Zealand

Validation Rules

The fields are checked for validity by adopting the following rules:

Field Rules
Bank Number
  • Mandatory.

Branch Number
  • Mandatory.

Account Number
  • Optional.

Check Digit
  • No validation.

Norway

Validation Rules

The fields are checked for validity by adopting the following rules:

Field Rules
Bank Number
  • No validation.

Branch Number
  • No validation.

Account Number
  • Length should be of 11 numeric characters

  • A check algorithm is applied on the Account Number, if and only if digits 5 and 6 are not '00'.

    For example, for Account Number, '12340012345', the check algorithm will not be applied but for Account Number '02056439653', the check algorithm will be applied as outlined below

Check Digit
  • No validation.

Check Algorithm for Account Number

  1. The check digit is set as the last (that is, the 11th digit) of the Account Number.

    For example, if the account number is '02056439653', then the check digit is set to '3'.

  2. The Norwegian government provides the following factor table:

    Digit Factor
    1st 5
    2nd 4
    3rd 3
    4th 2
    5th 7
    6th 6
    7th 5
    8th 4
    9th 3
    10th 2

    The first ten digits of the account number are multiplied by the associated factor. The computed sum is then calculated by summing the totals.

  3. Example using account number '02056439653':

    Multiply each digit with the given factor.

    Digit Value Factor Result
    1st 0 5 0
    2nd 2 4 8
    3rd 0 3 0
    4th 5 2 10
    5th 6 7 42
    6th 4 6 24
    7th 3 5 15
    8th 9 4 36
    9th 6 3 18
    10th 5 2 10
    Total     163

    So the computed sum for this example is 163.

  4. The computed sum is then added to the check digit.

    In the above example, 163 + 3 = 166.

  5. Divide the result by 11.

    166 / 11 = 15

  6. Derive the remainder.

    166 - (11 * 15) = 1

  7. If the remainder is '0', then the validation is successful, else the check fails.

  8. In the given example, the check fails the Account Number as the remainder is 1.

    If the 11th digit of the Account Number was 2 (that is, the check digit would be 2), then the remainder would be 165 - (11 * 15) = 0 and the check on the Account Number would be successful.

Poland

Validation Rules

The fields are checked for validity by adopting the following rules:

Field Rules
Bank Number
  • Optional.

  • If entered, the length should be of 8 numeric characters.

Branch Number
  • Optional.

  • If entered, the length should be of 8 numeric characters.

  • If the Bank Number and Branch Number are entered, then both values must match.

Account Number
  • Length should be a maximum of 26 alphanumeric characters.

Check Digit
  • No validation.

Portugal

Validation Rules

The fields are checked for validity by adopting the following rules:

Field Rules
Bank Number
  • Mandatory.

  • Length should be of 4 numeric characters.

Branch Number
  • Mandatory.

  • Length should be of 4 numeric characters.

Account Number
  • Length should be a maximum of 11 numeric characters.

Check Digit
  • Mandatory.

  • Length should be of 2 numeric characters.

  • A check algorithm is applied on the Check Digit.

Check Algorithm for Check Digit

Spain

Validation Rules

The fields are checked for validity by adopting the following rules:

Field Rules
Bank Number
  • Mandatory.

  • If the bank number is less than 4 digits, then it is converted to a 4 digit number by prefixing it with as many leading zeroes as is necessary.

Branch Number
  • Mandatory.

  • Length should be a maximum of 4 numeric characters.

Account Number
  • Length should be a maximum of 4 numeric characters.

Check Digit
  • Mandatory.

  • Length should be a maximum of 2 numeric characters.

  • A check algorithm is applied on the Check Digit.

Check Algorithm for Check Digit

Two check digits are calculated, CD1 from the Bank Number and Branch Number and CD2 from Account Number in the following manner; these are then used as the basis for the check digit validity test:

CD1

  1. For the Bank Number, the Spanish government provides the following factor table:

    Digit Factor
    1st 4
    2nd 8
    3rd 5
    4th 10

    The four digits of the Bank Number are multiplied by the associated factor. The computed sum is then calculated by summing the totals.

    Example using Bank Number '1234':

    Multiply each digit with the given factor.

    Digit Value Factor Result
    1st 1 4 4
    2nd 2 8 16
    3rd 3 5 15
    4th 4 10 40
    Total     75

    So the computed sum for this example is 75.

  2. For the Branch Number, the Spanish government provides the following factor table:

    Digit Factor
    1st 9
    2nd 7
    3rd 3
    4th 6

    The four digits of the Branch Number are multiplied by the associated factor. The computed sum is then calculated by summing the totals.

    Example using Branch Number '5678':

    Multiply each digit with the given factor.

    Digit Value Factor Result
    1st 5 9 45
    2nd 6 7 42
    3rd 7 3 21
    4th 8 6 48
    Total     156

    So the computed sum for this example is 156.

  3. The computed sums from both the Bank Number and Branch Number calculations are then summed up.

    From the above example, it is 75 + 156 = 231.

  4. Divide the result by 11.

    231 / 11 = 21

  5. Derive the remainder.

    231 - (11 * 21) = 0

  6. CD1 is then derived by subtracting the remainder from 11. If difference is 11, then CD1 is 0 and if difference is 10, then CD1 is 1

    11 - 0 = 11. So for this example, CD1 = 11 = 0.

CD2

  1. For the Account Number, the Spanish government provides the following factor table:

    Digit Factor
    1st 1
    2nd 2
    3rd 4
    4th 8
    5th 5
    6th 10
    7th 9
    8th 7
    9th 3
    10th 6

    The ten digits of the bank number are multiplied by the associated factor. The computed sum is then calculated by summing the totals.

    Example using account number '1234567890':

    Multiply each digit with the given factor.

    Digit Value Factor Result
    1st 1 1 1
    2nd 2 2 4
    3rd 3 4 12
    4th 4 8 32
    5th 5 5 25
    6th 6 10 60
    7th 7 9 63
    8th 8 7 56
    9th 9 3 27
    10th 0 6 0
    Total     280

    So the computed sum for this example is 280.

  2. Divide the result by 11.

    280 / 11 = 25

  3. Derive the remainder.

    280 - (11 * 25) = 5

  4. CD2 is then derived by subtracting the remainder from 11.

    11 - 5 = 6. So for this example CD2 = 6.

Check Digit Validity Test

The value in the user entered check digit field is compared to the calculated CD1 and CD2 using the following checks, if both of the checks are true, then the validation is unsuccessful.

Check Description
1 CD1 is compared to the first digit of the entered check digit field
2 CD2 is compared to the second digit of the entered check digit field

Example of the test using the previously calculated CD1 and CD2:

Where CD1 = 0 and CD2 = 6 and suppose the user entered Check Digit Value is '05'. As CD2 does not match, the check digit is invalid.

Sweden

Validation Rules

The fields are checked for validity by adopting the following rules:

Field Rules
Bank Number
  • Optional.

  • If entered, then the length should be between 4 to 5 numeric characters.

Branch Number
  • Optional.

  • If entered, then the length should be between 4 to 5 numeric characters.

  • If the Bank Number and Branch Number are entered, then both values must match.

Account Number
  • Length should be a maximum of 16 numeric characters.

Check Digit
  • Length should be a single numeric character.

Switzerland

Validation Rules

The fields are checked for validity by adopting the following rules:

Field Rules
Bank Number
  • Optional.

  • If entered, then the length should be between 3 to 5 numeric characters.

Branch Number
  • Optional.

  • If entered, then the length should be between 3 to 9 numeric characters.

Account Number
  • Length should be of 16 numeric characters.

Check Digit
  • No validation.

Account Type Mandatory during Account creation.

United Kingdom

Validation Rules

The fields are checked for validity by adopting the following rules:

Field Rules
Bank Number
  • Optional.

  • If entered, then the length should be 6 numeric characters.

Branch Number
  • Optional.

  • If entered, then the length should be 6 numeric characters.

  • If the Bank Number and Branch Number are entered, then both values must match.

Account Number
  • Length should be a maximum of 8 numeric characters.

Check Digit
  • No validation.

United States

Validation Rules

The fields are checked for validity by adopting the following rules:

Field Rules
Bank Number
  • No validation.

Branch Number
  • This field is labelled as 'Routing Transit Number'.

  • Length should be a maximum of 9 numeric characters.

  • If the length is less than 9, then it is converted to a 9 digit number by prefixing it with as many leading zeroes as is necessary.

    Note that on padding the number to 9 digits, the first 8 digits cannot be all zeroes.

    For example, 001 and 000007 are invalid Routing Transit Numbers because on padding to 9 digits, they become - 000000001, 000000007, and thus having 8 leading zeroes.

  • A check algorithm is applied on the Routing Transit Number.

Account Number
  • No validation.

Check Digit
  • No validation.

Check Algorithm for Routing Transit Number

  1. The ninth digit of the Number field is used to represent the Check Digit.

  2. A calculated Check Digit is computed from the remaining 8 digits using Modulus 10 algorithm.

  3. Multiply each digit in the Routing Transit Number by a weighting factor. The weighting factors for each digit areas given in the following table:

    Digit Factor
    1st 3
    2nd 7
    3rd 1
    4th 3
    5th 7
    6th 1
    7th 3
    8th 7
  4. The digits of the Routing Transit Number are multiplied by the associated factor. The computed sum is then calculated by summing the totals.

  5. Subtract the sum from the next highest multiple of 10. The result is the calculated Check Digit. This should be the same as the 9th digit of the Branch Number or Routing Transit Number, else the Branch Number or Routing Transit Number is invalid.

For Example:

Digit Value Factor Result
1st 0 3 0
2nd 7 7 49
3rd 6 1 6
4th 4 3 12
5th 0 7 0
6th 1 1 1
7th 2 3 6
8th 5 7 35
Total     109

So the Check Digit = 1 (110 minus 109)

In this example, the Routing Transit Number '076401251' will pass validation.

All Other Countries

Unique Validation Rules

The unique key will be the combination of:

  1. BANK

  2. BRANCH

  3. ACCOUNT