A trace number is a unique identifier that can be used to investigate a deposit. The type of trace number depends on how the deposit was sent:
ACH transfers use an ACH Trace ID, which is exactly 15 digits (numeric only). The first 8–9 digits identify the originating bank's routing number, and the remaining digits are a sequence number. Alphanumeric strings or numbers that aren't 15 digits are not ACH Trace IDs.
Wire transfers use an Input/Output Message Accountability (IMAD/OMAD) number assigned by the originating bank, which looks something like YYYYMMDDXXXXXXXX012345.
If you need more information about a wire transfer specifically, request the IMAD/OMAD number from the originating bank.
Please include the following information:
Sender Details
Name of sender
Bank the deposit was sent from
Sender’s Routing Number
Sender’s Account Number
Transaction Details
Amount Sent
Date Sent
Whether it was a Wire Transfer or ACH (Bank) Transfer
Trace Number or IMAD/OMAD Number
Recipient Details
Name of receiver
Routing number
Account number
Providing all of this information will allow us to immediately start the investigation process.
