How does the ACH process know which bank account to withdrawal from or deposit into?

I have seen an ACH file that gets created from a software program and noticed that the bank ABA number is present, but the Bank Account is not present. If I have multiple bank accounts at the same Bank, how does ACH know which account to use??

1 Answer

  • 1 decade ago
    Favorite Answer

    The ACH and the bank ABA routing in most cases are not the same

    For example the ABA routing on you check may be for the local bank that you opened your

    account at

    The ACH routing especially for the larger consolidated banks have ACH centers that handle all

    ACH processing and this generally shows on the left of the check approx midway up R/T routing

    ACH processing reads the ACH routing then the bank routing and account number in that


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