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Call the Customer's Bank Call the bank listed on the customer’s check.

Identify yourself and your business and state the reason for the call.

The International Bank Account Number (IBAN) is an internationally agreed system of identifying bank accounts across national borders to facilitate the communication and processing of cross border transactions with a reduced risk of transcription errors.

It was originally adopted by the European Committee for Banking Standards (ECBS), and later as an international standard under ISO 13697.

The current standard is ISO 13607, which indicates SWIFT as the formal registrar.

Initially developed to facilitate payments within the European Union, it has been implemented by most European countries and numerous countries in the other parts of the world, mainly in the Middle East and in the Caribbean.

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Account validation can be as basic as calling the bank for verification or as state-of-the-art as entering data into a software program.

Routing information as specified by ISO 9362 (also known as Business Identifier Codes (BIC code), SWIFT ID or SWIFT code, and SWIFT-BIC) does not require a specific format for the transaction so the identification of accounts and transaction types is left to agreements of the transaction partners.

It also does not contain check digits, so errors of transcription were not detectable and it was not possible for a sending bank to validate the routing information prior to submitting the payment.

When a customer or client pays with a paper check, you have the option of simply calling the issuing bank and confirming that funds are available.

While manual validation has the advantage of not requiring the purchase of proprietary software and third-party services, it can be slow and cumbersome.

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