Troubleshooting: ACH Transaction isn’t working

Problem

An ACH transaction fails and returns the error code 253 and the error message “The transaction was declined by our Risk Management department.”

Solution

This error is usually caused by incorrect ACH transactions details. The most common fix for this problem would be to identify if the ABA/Routing Number, Account Number, and billing details are correct.

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How to identify ABA/Routing Number, and Account Number for Canadian Businesses:

Your Branch Transit Number is a 5 digit number that can be found on the bottom of your cheques, on the left side.

Your Financial Institution number is a 3 digit number. It can be found on the bottom of your cheques, between the transit and account numbers

Your Account Number (usually 5-12 digits) is specific to your personal account. It’s the last set of numbers printed on the bottom of your checks.

 

How to identify ABA/Routing Number, and Account Number for American Businesses:

Your bank routing number is a 9 digit code based on the location your account was opened. It’s the first set of numbers printed on the bottom of your checks, on the left side. You can also find it in the U.S. Bank routing number chart at this link.

Your account number (usually 10-12 digits) is specific to your personal account. It’s the second set of numbers printed on the bottom of your checks, just to the right of the bank routing number. You can also find your account number on your monthly statement.

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