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Level 1 ACH verification compares the given account information against a neg file database. Results for accounts that do not contain any negative data will return an AUTH NUM indicating that no negative events have been recorded for the account. Additional info will be passed with the AUTH NUM in the <description> field with a pip ("|") delimiter.
Additional Info
| value | description |
|---|---|
| Routing Number is Invalid | Invalid bank routing number |
| History of Unauthorized | Account does not have a reported history or returns for Account Closed, Invalid Account, No account found, or Unable to locate, the routing number and account format are verified and there is no known transactional history on the account. |
Wrong Account Structure | The account identified as suspicious format |
| Not populated | Account does not have a reported history or returns for Account Closed, Invalid Account, No account found, or Unable to locate, the routing number and account format are verified, and there is known transactional history on the account. |
Format
<description> AUTH NUM|ADDTIONAL INFO </description>
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