I'll add a little detail as well, from the part of the email thread Josh left out:
majik@foxcub.net12/24/13
to me
"Hi Dave,
You're right, that was my fault.
I left a 1 off of the end of my account number because of a misprint on the checks the bank issued when I opened my account (since I never use checks I didn't realize there was a misprint)."
There's more, but is it really necessary?