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Can't imagine how that wouldn't break all sorts of banking rules.

True, but I thought the idea is that it wouldn't validate if any ONE digit is wrong, because of the "weighting" that is applied to each digit. You might (unlikely) be able to guess a valid number with several digits changed.

I thought account numbers included "check digits"? These are used for a complicated validation calculation with the other digits, in such a way that you'd be unlikely to get a valid number by typing one digit incorrectly.