The three most common reasons an account is declined are:
- The account information was taken from a deposit slip. The account and routing numbers must come from a voided check instead.
- The check number was accidentally included as though it were part of the account number. Be sure to ignore the check number. It is not used for electronic transactions. The check number appears in the upper right of the check and as part of the MICR numbers at the bottom. Sometimes it may be in the middle between the Routing and Account numbers.
- The account is at a Credit Union. In many cases Credit Union numbers printed at the bottom of the check are not valid for electronic (ACH) transactions. Please advise families to contact their Credit Union to confirm the correct information for ACH transactions.