Remove ACH blocks on linked bank accounts

When Straddle attempts to move funds to or from your linked bank account, your bank may reject the transaction if it has ACH debit filters or blocks in place. This guide explains why this happens and how to fix it.

What is an ACH company ID?

An ACH company ID is a 10-digit identifier used by banks and Nacha (the operator of the ACH network) to identify the entity originating payments via ACH. Every company that sends or collects money through ACH has one, including Straddle.

Why was my funding event blocked?

Many banks, particularly on business accounts, maintain ACH debit filters called Positive Pay that automatically reject transactions from unrecognized originators. If Straddle's company ID hasn't been added to your account's authorized originator list, your bank will reject the funding attempt before it settles.

This affects both directions. Your bank can block Straddle from withdrawing funds out of your account and from depositing funds into it. When this happens, the funding event will fail with an authorization-related return code (commonly R29 - Corporate Customer Advises Not Authorized).

This is not a Straddle error. Your bank is enforcing filters configured on your account.

Straddle's ACH company ID

Straddle uses the following company ID to originate funding and billing transactions on your linked bank account:

SD93213237 - Straddle Payments, Inc

How to resolve a blocked funding event

1. Contact your bank and request that Straddle's Company ID SD93213237 be added to your account's authorized originator list. Some banks refer to this as an "ACH positive pay" or "ACH filter" whitelist. Make sure the authorization covers both debits and credits.

2. Confirm the update is active. Banks may take 1-2 business days to apply changes. Ask for confirmation that the company ID has been added and is effective.

3. Re-attempt the funding event through the Straddle dashboard or API once the block has been removed.

How do I know if my bank has ACH filters?

If you're unsure whether your bank account has ACH filters enabled, contact your bank and ask. Business and commercial accounts are far more likely to have these filters in place than personal accounts. If you're setting up a new business bank account to use with Straddle, proactively adding our company ID during account setup will prevent any disruption to your funding events.