How have others handled the Bank Account definition only allowing one Routing number?

We have one Bank account with a bank that allows both Checks and ACH payments. We have to have the Routing number of the checks defined on the Bank Account page (External Accounts) so it is shown on the checks produced. But if we want to use Financial Gateway to produce the ACH payment file (ISO Credit - ISO_CT_03) the routing number is not the ACH routing number expected for the bank account.

I have opened a case and Oracle has asked that I ask the community how my peers are handling this since Oracle allows for multiple payment methods when defining a bank account, but not multiple routing numbers. If we add two bank codes and the same account number, our bank recons get messed up as we'll see double entries since there is more than one bank code for the same accounts.