Bank Account Generator
Generate random US bank account details for testing. Includes valid ABA routing numbers, account numbers, and beneficiary information.
For testing only. These are randomly generated account details that pass format validation but are not real bank accounts. Never use for actual financial transactions.
How to Generate Test Bank Accounts
Step 1: Choose Account Type
Select checking or savings account type based on your testing needs.
Step 2: Generate Accounts
Generate accounts with valid routing number formats, account numbers, and beneficiary names from realistic bank data.
Step 3: Copy as JSON
Copy the structured data for use in test scripts, API mocking, or database seeding.
Understanding Bank Account Numbers
US bank accounts use ABA routing numbers (9 digits) to identify financial institutions, plus account numbers (8-17 digits) for individual accounts.
Our routing numbers pass the ABA checksum validation, making them suitable for testing form validation and API responses.
Account Components
- Routing Number: 9-digit ABA/RTN
- Account Number: 8-17 digits
- Wire Routing: For wire transfers
- Beneficiary: Account holder name
Frequently Asked Questions
Can these accounts receive money?
No. These are randomly generated numbers that pass format validation but are not real bank accounts. They cannot be used for actual financial transactions.
How do I test ACH payments?
Use your payment provider's sandbox environment. Stripe, Plaid, and other services provide test account numbers specifically designed for integration testing.
What is the ABA routing number checksum?
The ABA checksum uses a weighted sum: 3(d1+d4+d7) + 7(d2+d5+d8) + (d3+d6+d9) must be divisible by 10. Our generator creates routing numbers that pass this validation.
Why are bank names included?
Real bank routing numbers are public and tied to specific institutions. Including bank names makes test data more realistic and helps test UI that displays bank information.
What's the difference between routing and wire routing?
ACH routing numbers are used for electronic transfers like direct deposit. Wire routing numbers are for wire transfers. Some banks use the same number for both, others have different numbers.
Best practices for bank account testing
- Always use sandbox/test environments for payment testing
- Validate routing number checksums in your application
- Test various account number lengths (8-17 digits)
- Test micro-deposit verification flows
- Verify account masking displays correctly
- Test bank account linking and unlinking flows