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Putting aside the abysmal support service, I'm guessing the root cause of the missing bank account digit, is due to the last digit being a check-digit.

Some backend system probably interacts with other systems that expect the routing number without the check digit, while others expect it with the check digit.

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My guess is it’s cause checking account string length is variable, the system that stores the info gets it all. But when read by the process generating the ACH batch file it’s dropping the last character. I can’t be specific but I feel like I’ve seen this occur with raising an exception in some language/environment.

It’s essentially reading a full varchar(17) into a varchar(16) so the last character gets chop’d.

I think, while possible, 17 character account numbers is quite rare. If it were more common it would be a massive problem and surely Amazon Pay would be well aware/compelled to fix.

If Amazon was dropping the last digit from the routing number the ACH credit transaction attempt would have never made it to the destination bank. The fact that the destination bank was able to tell a digit was missing indicates the routing number was correct. A transaction with an 8 digit routing number would have never have left the OFDI because routing numbers are 9 digits.

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