(' 'x19). #Message Authentication Code (19 char blank)
(' 'x6). #Federal Reserve Use (6 char blank)
substr($dest, 0, 8). #Originating Financial Institution
(' 'x19). #Message Authentication Code (19 char blank)
(' 'x6). #Federal Reserve Use (6 char blank)
substr($dest, 0, 8). #Originating Financial Institution