An "invalid account" error during an online ACH payment can be caused by several issues. Here are the most common reasons:
Incorrect Account Details: The most frequent cause is entering incorrect bank account details such as the account number or routing number. Double-check that all the information entered matches exactly with your banking information.
Account Type Not Supported: Some types of bank accounts may not accept ACH transactions. For example, certain savings accounts, investment accounts, or international bank accounts might not be eligible for these kinds of payments.
Closed Account: If the bank account has been closed but was previously valid, the transaction cannot proceed.
Transaction Restrictions: Some accounts have restrictions on them that prevent certain types of transactions, including ACH transfers, either due to regulatory reasons or bank-imposed limits.
Bank Errors: Occasionally, errors on the bank’s end, such as system outages or data mismatches in the bank’s processing system, can cause valid accounts to be flagged as invalid.
Security Concerns: If there are security concerns related to the transaction, such as suspected fraud, the bank might block the transaction by reporting the account as invalid.
If you receive this error, check your account details with your bank.