ACH deposit instruction payload (bank.ach_instructions).
accountNumber is optional: named-deposit banks (supportsNamedDeposits: true) have no bank-level account number — the per-deposit / per-VA account
number is supplied at use time (the VA service overlays the VA's own number
on top of this bank template). Banks with a fixed FBO account still carry it.
ACH deposit instruction payload (
bank.ach_instructions).accountNumberis optional: named-deposit banks (supportsNamedDeposits: true) have no bank-level account number — the per-deposit / per-VA account number is supplied at use time (the VA service overlays the VA's own number on top of this bank template). Banks with a fixed FBO account still carry it.