This appendix covers the following topics:
This appendix outlines the country specific bank account validation rules performed in Release 12. The following information is presented for certain countries:
Validation rules: The validation perform for the specific country
Unique Validation Rules: The unique validations perform for the specific country
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:
Bank Number
Branch Number
Account Number
Check Digit
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.
The following points are applicable to all the countries:
For all fields, white spaces and hyphens (-) are removed before checking the number.
The Bank and Branch Number might be mandatory depending upon the country-specific rules.
The Account Number is mandatory for all countries.
The Check Digit is might be mandatory depending upon the country-specific rules.
Validation Rules
The fields are checked for validity by adopting the following rules:
Field | Rules |
---|---|
Bank Number |
|
Branch Number |
|
Account Number |
|
Check Digit |
|
Validation Rules
The fields are checked for validity by adopting the following rules:
Field | Rules |
---|---|
Bank Number |
|
Branch Number |
|
Account Number |
|
Check Digit |
|
Validation Rules
The fields are checked for validity by adopting the following rules:
Field | Rules |
---|---|
Bank Number |
|
Branch Number |
|
Account Number |
|
Check Digit |
|
Check Algorithm for Account Number using Check Digit
The entered check digit (CD1) is the last two digits of the Account Number.
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'
If the entered check digit (CD1) and calculated check digit (CD2) are equal, then the Account Number is valid, else the check has failed.
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' according to the 3rd point.
Example using account number '123-4567890-78'.
The entered check digit CD1 = 78.
The concatenation of the first two sections gives '1234567890'.
Divide the result by 97.
1234567890 / 97 = 12727504
Derive the remainder.
1234567890 - (12727504 * 97) = 2
Therefore CD2 = 02.
Here CD1 <> CD2, therefore the Account Number is not valid.
In this case, a valid Account Number would be '123456789-02'.
Validation Rules
The fields are checked for validity by adopting the following rules:
Field | Rules |
---|---|
Bank Number |
|
Branch Number |
|
Account Number |
|
Check Digit |
|
Company Code |
|
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 |
|
Check Digit |
|
Check Algorithm for Tax Payer ID using Check Digit
The first 15 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 |
15th | 3 |
These 15 products are added and the sum is divided by 11.
If the remainder is 1 or 0, then the Check Digit should be 1 or 0 respectively.
If the remainder is not 1 or 0, then the remainder is subtracted by 11 and that should be the Check Digit.
This value should be the same as the user entered check digit or else the check validation fails.
Validation Rules
The fields are checked for validity by adopting the following rules:
Field | Rules |
---|---|
Bank Number |
|
Branch Number |
|
Account Number |
|
Check Digit |
|
Validation Rules
The fields are checked for validity by adopting the following rules:
Field | Rules |
---|---|
Bank Number |
|
Branch Number |
|
Account Number |
|
Check Digit |
|
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
Check is formed in the following two parts:
The first part of the Check is formed from the first 6 digits of the Account Number.
To illustrate, if the account number is '123456789', then the first part of Check would be created as '123456'.
The second part of Check is formed as an eight digit value, comprising the 8th to 15th digits of the Account Number. If the length is less than 8, then it is converted to a 8 digit number by prefixing it with as many leading zeroes as is necessary.
Using the same example, the second part of Check would be created as '00000089'.
Check is then formed by concatenating the two parts.
So, in our example the Check is formed as '12345600000089'.
Method 2
Check is formed in the following three parts:
The first part of the Check is formed from the first 6 digits of the Account Number.
To illustrate, if the account number is '123456789', then the first part of Check would be created as '123456'.
The second part of Check is formed as the 8th digit of the Account Number.
Using the same example, the second part of Check would be created as '8'.
The third part of Check is formed as a seven digit value, comprising the 9th to 15th digits of the Account Number. If the length is less than 7, then it is converted to a 7 digit number by prefixing it with as many leading zeroes as is necessary.
Using the same example, the second part of Check would be created as '0000009'.
Check is then formed by concatenating the three parts.
So, in our example the Check is formed as '12345680000009'.
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.
If the first two digits of Check are '88', then:
The Finnish government provides the following factor table. The 8th to 13th digits of the Check number are multiplied by the associated factor. The computed sum is then calculated by summing the totals.
Digit | Factor |
---|---|
8th | 1 |
9th | 3 |
10th | 7 |
11th | 1 |
12th | 3 |
13th | 7 |
Example using Check number '88345600000089':
Multiply the given digits with the given factor.
Digit | Value | Factor | Result |
---|---|---|---|
8th Digit | 0 | 1 | 0 |
9th Digit | 0 | 3 | 0 |
10th Digit | 0 | 7 | 0 |
11th Digit | 0 | 7 | 0 |
12th Digit | 0 | 3 | 0 |
13th Digit | 8 | 7 | 56 |
Total | 56 |
So the computed sum for this example is 56.
The test fails unless either of the following apply:
The 14th digit of Check should equal the value of 10 minus the last digit of the computed sum.
For the Check value is '88345600000089', the last digit of the computed sum is 6. So 10 - 6 = 4. So, the 14th digit of the Check should equal 4. The test fails here as the 14th digit is 9.
Both the 14th digit of Check and the last digit of the computed sum are 0.
Using the same example, the test fails here as both values are not 0.
If the first two digits of Check are NOT '88', then:
The computed sum is calculated for each of the first 13 digits by adding the even numbered digits to the following calculated sum for each odd numbered digit :
Multiply the digit by 2.
Divide the result by 10.
From the result add the integer to the remainder.
Example using account number '123456800000089':
Digit | Value | Multiply (a) | Divide (b) | Integer | Remainder | Result |
---|---|---|---|---|---|---|
1st | 1 | 2 | 0.2 | 0 | 2 | 2 |
2nd | 2 | 2 | ||||
3rd | 3 | 6 | 0.6 | 0 | 6 | 6 |
4th | 4 | 4 | ||||
5th | 5 | 10 | 1 | 1 | 0 | 1 |
6th | 6 | 6 | ||||
7th | 0 | 16 | 1.6 | 1 | 6 | 0 |
8th | 0 | 0 | ||||
9th | 0 | 0 | 0 | 0 | 0 | 0 |
10th | 0 | 0 | ||||
11th | 0 | 0 | 0 | 0 | 0 | 0 |
12th | 0 | 0 | ||||
13th | 8 | 16 | 1.6 | 1 | 6 | 7 |
Total | 28 |
The computed sum is then converted using the following process, before being used to see if the Account Number is valid :
Computed sum is added to 9.
The result is divided by 10.
The integer result is multiplied by 10.
The result is subtracted by the original computed sum.
So the computed sum '282 is converted to '2' as:
28 + 9 = 37
37/10 = 3.7. Integer result therefore = 3
3 * 10 = 30
30 - 28 = 2
This number is then compared to the 14th digit of the Account Number. If it matches, then the test is passed, else it is failed.
In our example, the test fails as the 14th digit of the Account Number is 9. If the 14th digit had been 2, then the test would have been passed.
Validation Rules
The fields are checked for validity by adopting the following rules:
Field | Rules |
---|---|
Bank Number |
|
Branch Number |
|
Account Number |
|
Check Digit |
|
Check Algorithm for Account Number using Check Digit
A check digit is calculated (CD1) from the Account Number in the following manner. This is then used as the basis for the check digit validity test.
CD1
For the check algorithm, the alphabetic digits of the Account Number 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:
The Bank Number is concatenated with Branch Number concatenated to the converted Account Number.
To illustrate with the Bank Number as '12345', the Branch Number as '67890' and the converted Account Number as '11234567890'.
Then CD1 is created as '123456789011234567890'.
To this concatenated value, '00' is added as a suffix and the resulting value is divided by 97. The remainder obtained as result of this division is then subtracted from 97. The result of this subtraction is the calculated check digit.
In our example, suffixing '00' gives '12345678901123456789000'.
Dividing by 97 and deriving the remainder.
Mod (12345678901123456789000, 97) = 86
Subtract from 97.
97 - 86 = 11
This value should be the same as the user entered check digit or else the check validation fails.
Validation Rules
The fields are checked for validity by adopting the following rules:
Field | Rules |
---|---|
Bank Number |
|
Branch Number |
|
Account Number |
|
Check Digit |
|
Validation Rules
The fields are checked for validity by adopting the following rules:
Field | Rules |
---|---|
Bank Number |
|
Branch Number |
|
Account Number |
|
Check Digit |
|
Validation Rules
The fields are checked for validity by adopting the following rules:
Field | Rules |
---|---|
Bank Number |
|
Branch Number |
|
Account Number |
|
Check Digit |
|
Check Algorithm for Account Number using Check Digit
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 |
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.
This value should be the same as the user entered check digit or else the check validation fails.
Validation Rules
The fields are checked for validity by adopting the following rules:
Field | Rules |
---|---|
Bank Number |
|
Branch Number |
|
Account Number |
|
Check Digit |
|
Validation Rules
The fields are checked for validity by adopting the following rules:
Field | Rules |
---|---|
Bank Number |
|
Branch Number |
|
Account Number |
|
Check Digit |
|
EFT Number |
|
Validation Rules
The fields are checked for validity by adopting the following rules:
Field | Rules |
---|---|
Bank Number |
|
Branch Number |
|
Account Number |
|
Check Digit |
|
Check Algorithm for Bank Number, Branch Number, and Account Number using 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 or 0 = 0 | A or 0 = 1 |
B or 1 = 1 | B or 1 = 0 |
C or 2 = 2 | C or 2 = 5 |
D or 3 = 3 | D or 3 = 7 |
E or 4 = 4 | E or 4 = 9 |
F or 5 = 5 | F or 5 = 13 |
G or 6 = 6 | G or 6 = 15 |
H or 7 = 7 | H or 7 = 17 |
I or 8 = 8 | I or 8 = 19 |
J or 9 = 9 | J or 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 validation fails.
Validation Rules
The fields are checked for validity by adopting the following rules:
Field | Rules |
---|---|
Bank Number |
|
Alternate Bank Name |
|
Branch Number |
|
Alternate Branch Name |
|
Account Number |
|
Check Digit |
|
Validation Rules
The fields are checked for validity by adopting the following rules:
Field | Rules |
---|---|
Bank Number |
|
Branch Number |
|
Account Number |
|
Check Digit |
|
Validation Rules
The fields are checked for validity by adopting the following rules:
Field | Rules |
---|---|
Bank Number |
|
Branch Number |
|
Account Number |
|
Check Digit |
|
Check Algorithm for Non-Post or Giro Account Number
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.
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 |
These are multiplied and the sum of the products is calculated
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.
Validation Rules
The fields are checked for validity by adopting the following rules:
Field | Rules |
---|---|
Bank Number |
|
Branch Number |
|
Account Number |
|
Check Digit |
|
Validation Rules
The fields are checked for validity by adopting the following rules:
Field | Rules |
---|---|
Bank Number |
|
Branch Number |
|
Account Number |
|
Check Digit |
|
Check Algorithm for Account Number
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'.
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.
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.
The computed sum is then added to the check digit.
In the above example, 163 + 3 = 166.
Divide the result by 11.
166 / 11 = 15
Derive the remainder.
166 - (11 * 15) = 1
If the remainder is '0', then the validation is successful, else the check fails.
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.
Validation Rules
The fields are checked for validity by adopting the following rules:
Field | Rules |
---|---|
Bank Number |
|
Branch Number |
|
Account Number |
|
Check Digit |
|
Validation Rules
The fields are checked for validity by adopting the following rules:
Field | Rules |
---|---|
Bank Number |
|
Branch Number |
|
Account Number |
|
Check Digit |
|
Check Algorithm for Bank Number, Branch Number, and Account Number using Check Digit
A check digit is formed (CD1) from the Bank Number, Branch Number, and Account Number by concatenating the three numbers.
For example, using Bank Number '1234', Branch Number '5678', and Account Number '12345678901'.
Then CD1 is set as '1234567812345678901'.
The Portuguese government provides the following factor table:
Digit | Factor |
---|---|
1st | 73 |
2nd | 17 |
3rd | 89 |
4th | 38 |
5th | 62 |
6th | 45 |
7th | 53 |
8th | 15 |
9th | 50 |
10th | 5 |
11th | 49 |
12th | 34 |
13th | 81 |
14th | 76 |
15th | 27 |
16th | 90 |
17th | 9 |
18th | 30 |
19th | 3 |
The nineteen digits of the created check digit (CD1) are multiplied by the associated factor. The multiple sum is then calculated by summing the totals.
Example using the above value for CD1 :
Digit | Value | Factor | Result |
---|---|---|---|
1st | 1 | 73 | 73 |
2nd | 2 | 17 | 34 |
3rd | 3 | 89 | 267 |
4th | 4 | 38 | 152 |
5th | 5 | 62 | 310 |
6th | 6 | 45 | 270 |
7th | 7 | 53 | 371 |
8th | 8 | 15 | 120 |
9th | 1 | 50 | 50 |
10th | 2 | 5 | 10 |
11th | 3 | 49 | 147 |
12th | 4 | 34 | 136 |
13th | 5 | 81 | 405 |
14th | 6 | 76 | 456 |
15th | 7 | 27 | 189 |
16th | 8 | 90 | 720 |
17th | 9 | 9 | 81 |
18th | 0 | 30 | 0 |
19th | 1 | 3 | 3 |
Total | 3794 |
Divide the result by 97.
3794 / 97 = 39
Derive the remainder.
3794 - (39 * 97) = 11
CD1 is then derived by subtracting the remainder from 97.
97 - 11 = 86. So for this example CD1 = 86.
If the calculated value for CD1 is not the same as the user entered check digit, then the check digit fails the validation.
Validation Rules
The fields are checked for validity by adopting the following rules:
Field | Rules |
---|---|
Bank Number |
|
Branch Number |
|
Account Number |
|
Check Digit |
|
Check Algorithm for Bank Number, Branch Number, and Account Number 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
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.
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.
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.
Divide the result by 11.
231 / 11 = 21
Derive the remainder.
231 - (11 * 21) = 0
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 = 0.
CD2
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.
Divide the result by 11.
280 / 11 = 25
Derive the remainder.
280 - (11 * 25) = 5
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.
Validation Rules
The fields are checked for validity by adopting the following rules:
Field | Rules |
---|---|
Bank Number |
|
Branch Number |
|
Account Number |
|
Check Digit |
|
Validation Rules
The fields are checked for validity by adopting the following rules:
Field | Rules |
---|---|
Bank Number |
|
Branch Number |
|
Account Number |
|
Check Digit |
|
Account Type | Mandatory during Account creation. |
Validation Rules
The fields are checked for validity by adopting the following rules:
Field | Rules |
---|---|
Bank Number |
|
Branch Number |
|
Account Number |
|
Check Digit |
|
There are three modulus check methods in use:
Double alternate (uses modulus 10)
Standard 10 (uses modulus 10)
Standard 11 (uses modulus 11)
The modulus algorithm applied on the bank accounts depend on the bank sort codes and is part of the sort codes published by VocaLink. The latest version of the modulus checking specification and files are available for download on the VocaLink website (www.vocalink.com/moduluschecking). Please refer to the Validating Account Numbers document published by VocaLink.
Validation Rules
The fields are checked for validity by adopting the following rules:
Field | Rules |
---|---|
Bank Number |
|
Branch Number |
|
Account Number |
|
Check Digit |
|
Check Algorithm for Routing Transit Number
The ninth digit of the Number field is used to represent the Check Digit.
A calculated Check Digit is computed from the remaining 8 digits using Modulus 10 algorithm.
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 |
The digits of the Routing Transit Number are multiplied by the associated factor. The computed sum is then calculated by summing the totals.
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.
Unique Validation Rules
The unique key will be the combination of:
BANK
IF bank is upgraded from 11i, (created by = 'CE_BANK_UPGRADE'), then Bank Name, Bank Number, Country - combination must be unique.
IF bank was created in R12 (created by = 'CE') and IF bank country = 'US' (Only for United States), then Bank Name, Bank Number, Country - combination must be unique.
ELSE (for all other countries), Bank Number and Country - combination must be unique.
BRANCH
For all countries except Japan and U.S.
Bank ID, Branch Number
Bank ID, Branch Name
For Japan
Bank ID, Branch Number
Bank ID, Branch Name
Bank ID, Alt. Branch Name
For U.S.
Bank ID, Branch Name
ACCOUNT
Bank Branch ID, Bank Account Number, Bank Account Name, Currency