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A routing number is a distinct nine-digit code that identifies a financial institution, and you can find your bank’s routing number in multiple ways. You may need this number to complete a variety of transactions. Here’s more about your routing number and how to locate it.
What is a routing number?
A routing number may also be referred to as a routing transit number or an American Bankers Association (ABA) routing number. It was developed by the ABA in 1910. An ABA routing number can be issued only to a federal- or state-chartered financial institution that is eligible for a Federal Reserve account.
The routing number, along with your account number, facilitates accurate routing of funds during transactions. Your routing number functions as an address for your bank and ensures that your money comes from or arrives at the correct place.
A small bank may have one routing number, and a larger bank may have many. Your routing number may correspond to the region or branch where you opened your account.
The nine-digit routing number is a unique identifier for your specific financial institution.
The first four digits are the Federal Reserve District routing symbol, followed by four digits that identify the bank and then the last digit, called a check digit. The check digit is calculated using the other digits and is intended to prevent fraud.
Where is the routing number on a check?
One of the fastest ways to find your routing number — if you have a checkbook — is at the bottom of a personal check. The routing number is at the lower left corner of each check.
Be careful not to confuse your routing number with other important information on your check, such as your:
Bank account number. This is the second set of digits from the left, and it identifies your account rather than your financial institution. Your account number typically consists of eight to 12 digits — sometimes up to 17.
Check number. You’ll usually find it in two places on a check: in the upper right corner and at the bottom after the account number. Check numbers are mainly used for tracking.
How to find your routing number without a check
You can find your bank’s routing number even if you don’t have access to your checkbook. Routing numbers, unlike account numbers, are public information and can be obtained by anyone.
Here are some ways to find your routing number:
- Check your monthly bank statement — you may find it toward the top.
- If you use online banking or your bank’s mobile app, log on and locate your routing number.
- Try the ABA’s Routing Number Lookup tool. Note: You’ll be limited to two lookups daily and 10 monthly.
- Do an internet search.
- Call the bank.
- Visit a branch location.
When you may use routing numbers
Some tasks may require a routing number. You’ll need to be able to locate your number, for example, when you want to:
- Pay a bill online or by phone
- Set up a direct deposit for a new job or for government benefits
- Reorder checks
- Make an automatic payment
- Receive a direct deposit for your tax return
Routing numbers at some big U.S. banks
The following list of links can help you find routing numbers at some of the largest U.S. banks.