What is a trace number?

What is a trace number? 

A trace number is a unique 15 digit number assigned to an ACH entry by an Originating Depository Financial Institution (ODFI), the bank that originated the ACH order. Trace numbers identify an entry within a specific ACH file.

For example, a trace number from a One account will look like this:

125109006xxxxxx

The first nine digits of the trace number are the transit/routing number of the ODFI (One’s is 125109006) and the last six digits are sequence numbers assigned by the originator (this will be different every time).

How can a trace number help me?

If you are expecting a deposit via ACH into your One account, the trace number can be used to track the status of the ACH transfer.

Where can I find a trace number?

The originating institution (sometimes this is One and sometimes it is the other institution) will be able to provide the ACH trace number.