if ( $conf->exists('cust_main-require-bank-branch') ) {
$payinfo =~ /^(\d+)\@(\d+)\.(\d+)$/ or return 'invalid echeck account@branch.bank';
$payinfo = "$1\@$2.$3";
if ( $conf->exists('cust_main-require-bank-branch') ) {
$payinfo =~ /^(\d+)\@(\d+)\.(\d+)$/ or return 'invalid echeck account@branch.bank';
$payinfo = "$1\@$2.$3";