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I'm getting the same error from Ally Financial bank.  I tried to us the APEX CLEARING, but I'm unclear as to what login credentials to use.  I tried reusing my Ally Financial credentials, but that failed.  Do I need to go to Apex clearing and create an account and then link that act to my Ally act?  Just confused as to what login credentials need to be entered.
edit:  figured it out.  It's the account number on the center of the 1099 for the user name and SSN as the password.