Create account error

Given the following input bank info(will convert to Tabapay required format).

{
"referenceId": "ghijKLNOPKRST-",
"firstName": "Sami",
"lastName": "Eljabali",
"bank": {
"routingNumber": "946551370",
"accountNumber": "99580690",
"accountType": "CHECKING"
}
}

And I got a 400 error:
{"SC":400,"EC":"3C4E1149","EM":"Bank QueryString"}"