Test Bank Account Generator — ABA-Valid Dummy US ACH

Generate ABA-checksum-valid dummy US ACH routing and account pairs for checkout, direct-deposit, and validator fixtures. Routing is Stripe’s published test RTN, not a real institution. Not a FedACH lookup; not Plaid Link; cannot receive funds.

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Test US ACH — developer notes
ABA-checksum-valid dummy US ACH routing and account pairs. Locked Stripe test RTN 110000000 — not FedACH, not a real bank directory.

How generation works

Pick kind, format, checksum validity, quantity (1–100), and order. Changing an option refreshes the list immediately. Copy all or download JSON, CSV, SQL, or TXT.

Options

Kind
Random account bodies use the chosen length (4–17 digits, default 12) with routing 110000000. Stripe test accounts uses the published Stripe docs table (test mode only) and ignores account length. Mixed draws random accounts per row — not Stripe magic rows.
Format
Compact 9-digit routing for APIs and databases. Grouped spaces the routing as XXX-XXX-XXX; the account body stays compact.
Checksum validity
Valid keeps routing 110000000 with a passing ABA 3-7-1 check. Invalid flips the routing check digit on purpose for negative-path validator QA.
Quantity (1–100)
How many rows to emit. Stripe kind clamps to the 12 published accounts.
Account length (4–17)
Digits in a Random or Mixed account body. Default 12, the Stripe success length. Stripe kind keeps each published account’s own length.
Order
Random with replacement, unique account numbers in the batch, or deterministic sequence on the account body.

Examples

Default valid ACH fixture

Settings

kind=random, format=compact, checksumValidity=valid

Sample output

110000000 482917364501

Grouped routing for forms

Settings

format=grouped, checksumValidity=valid

Sample output

110-000-000 482917364501

Related tools

Need EU/GB bank identifiers instead? Use the test IBAN generator.

Test US ACH FAQ

ABA checksum, Stripe test RTN, and what this tool is not

Can these accounts receive money?

No. They are synthetic fixtures for forms and validators. The routing is Stripe’s published test RTN, not a live issuer directory entry.

Is 110000000 a reserved ABA dummy block?

No. Unlike NANP 555 or GS1 952, there is no standards-reserved dummy RTN. We pin to Stripe’s published sandbox value and disclose that checksum validity does not mean a real institution.

What's the invalid checksum toggle for?

It flips the ABA check digit on the locked routing so the ABA 3-7-1 check fails — use it to confirm your validator rejects bad routing numbers.

What does Stripe test accounts kind do?

It walks the published Stripe docs account-number table for US ACH Direct Debit in test mode. PaymentMethod tokens are not exported — see Stripe docs for processor magic.

I searched for a fake bank account generator. Is this it?

If you need ABA-valid dummy US ACH pairs for development and QA, yes. If you need FedACH lookup, Plaid Link, or real transfers, this tool will not do that.

Test Data

Synthetic field values for fixtures and DB seed — reserved-range phone numbers first.

Test IBAN Generator

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