What is a routing number?
A routing number is a 9-digit code that identifies a financial institution in the United States. It is used for routing money transfers and other financial transactions between banks, credit unions, and other financial institutions. The routing number is also known as an ABA (American Bankers Association) routing code or RTN (Routing Transit Number), and it can be easily located on the bottom of a check or in the online banking portals of financial institutions. The routing number is an important piece of information when transferring money or making payments online. It helps to ensure that the money is sent to the right place and with the correct details. Knowing your bank’s routing number can also help you ensure you are sending money to the right account.
When you send or receive funds directly from your bank account in transactions such as electronic payments, the bank must know where the funds are supposed to go. The routing number identifies the financial institution where your funds are held and indicates where to send funds that are owed to you. Employers need your routing number to establish payment systems such as a direct deposit.
Typically, banks and financial institutions have multiple routing numbers that serve distinct purposes, geographic regions, and branches. Before initiating a money transfer, it is crucial to ensure that the correct routing number is utilized.
Our database contains more than 20,000 unique Routing Numbers. This platform is solely for educational purposes. While every effort is made to provide accurate information, users must acknowledge that this website assumes no responsibility for its accuracy. Only your bank can confirm the accuracy of your bank account details. If you are making an important, time-sensitive payment, you should contact your bank beforehand.
Where is the routing number on a check?
What numbers appear on a check? You will find 3 groups of numbers at the bottom of a check. The first group contains the routing number, the second is the account number, and the third is the check number.
The routing number, which is the first set of numbers in the lower left corner of a check are nine-digit code, and the character symbol surrounding the numbers is not part of the routing number. Routing numbers, also known as transit numbers, are public and may vary depending on the region where your account was opened.
It is helpful to know where to find these numbers when setting up automatic payments for monthly bills and filling out forms for actions such as a direct deposit. Below is more information about routing numbers.
NOTE: In some cases, the order of the checking account number and check serial number is reversed.
When do you need a routing number?
A routing number is required in a variety of situations, including setting up direct deposit, automatic loan payments, or recurring transfers like bill payments.
You’ll also need it when you file taxes to receive your tax refund or debit a tax payment, or when you conduct Automated Clearing House (ACH), transfers between different bank accounts.
Generally, you’ll only need your routing number when funds are being directly transferred to or from your bank account — a routing number is never for debit card or credit card purchases.
This number is also used to set up an online account with your bank to be used together with personal finance and accounting software.
Which routing number should you use?
Not every routing number is identical. Banks assign unique numbers to various types of transactions. It is possible that the routing number on a paper check is not the same number required for an ACH transfer or direct debit.
If you are uncertain as to which routing number is required for a specific transaction, you should contact your bank; otherwise, you risk delays in the processing of your transfer.
List of US banks with the most ACH Routing Numbers
The most prevalent types of transactions that require a routing number are ACH and wire transfers.
- AMERIS BANK
- ARVEST BANK
- AXOS BANK
- BANCO POPULAR
- BANCORP SOUTH
- BANCORPSOUTH
- BANCORPSOUTH BANK
- BANK OF AMERICA
- BANK OF AMERICA N.A.
- BANK OF AMERICA, N.A.
- BANK OF COMMERCE
- BANK OF HOPE
- BANK OF NEW YORK MELLON
- BANK OF THE WEST
- BANK OZK
- BANKPLUS
- BANNER BANK
- BERKSHIRE BANK
- BMO HARRIS BANK NA
- BMO HARRIS BANK, N.A
- BMO HARRIS BANK, N.A.
- BRANCH BANKING & TRUST COMPANY
- BUSEY BANK
- BYLINE BANK
- CADENCE BANK, N.A.
- CAMDEN NATIONAL BANK
- CAPITAL CITY BANK
- CAPITAL ONE, N.A.
- CATHAY BANK
- CENTENNIAL BANK
- CENTERSTATE BANK, NATIONAL ASSOCIATI
- CENTRAL BANK
- CHEMICAL BANK
- CIBC BANK USA
- CITIBANK NA
- CITIBANK WEST
- CITIZENS BANK
- CITIZENS BANK NA
- CITIZENS BUSINESS BANK
- CITIZENS NATIONAL BANK
- CITIZENS STATE BANK
- CITY NATIONAL BANK
- COLUMBIA STATE BANK
- COMERICA BANK
- COMMERCE BANK
- COMMERCIAL BANK
- COMMUNITY BANK
- COMMUNITY BANK OF MS
- COMMUNITY FIRST BANK
- COMMUNITY FIRST CREDIT UNION
- COMMUNITY NATIONAL BANK
- COMMUNITY STATE BANK
- COMPASS BANK
- CORNERSTONE BANK
- CREDIT UNION OF SOUTHERN CALIFORNIA
- EAST WEST BANK
- EASTERN BANK
- EQUITY BANK
- FARMERS & MERCHANTS BANK
- FARMERS BANK
- FARMERS STATE BANK
- FEDERAL RESERVE BANK
- FIDELITY BANK
- FIFTH THIRD BANK
- FINANCIAL PARTNERS CREDIT UNION
- FIRST BANK
- FIRST BANK & TRUST
- FIRST CITIZENS BANK & TRUST COMPANY
- FIRST COMMUNITY BANK
- FIRST FIDELITY BANK
- FIRST FINANCIAL BANK
- FIRST FINANCIAL BANK, N.A.
- FIRST MERCHANTS BANK
- FIRST MIDWEST BANK
- FIRST NATIONAL BANK
- FIRST NATIONAL BANK OF OMAHA
- FIRST NATIONAL BANK OF PENNSYLVANIA
- FIRST SAVINGS BANK
- FIRST STATE BANK
- FIRST TENNESSEE BANK
- FIRST TENNESSEE BANK NATL ASSN
- FIRSTBANK
- GERMAN AMERICAN BANK
- GLACIER BANK
- GREAT LAKES CREDIT UNION
- GREAT SOUTHERN BANK
- HANCOCK WHITNEY BANK
- HERITAGE BANK
- HORIZON BK, AN INDIANA BANK
- HORIZON CREDIT UNION
- HSBC BANK, USA
- HUNTINGTON NATIONAL BANK
- IBERIABANK
- INDEPENDENT BANK
- INTERBANK
- INTERNATIONAL BANK OF COMMERCE
- JPMORGAN CHASE
- KEY BANK
- KEYBANK NATIONAL ASSOCIATION
- M & T BANK
- M B FINANCIAL BANK
- MIDLAND STATES BANK
- MUFG UNION BANK, N.A.
- NATIONAL BANK OF COMMERCE
- NBH BANK
- NEW YORK COMMUNITY BANK
- OLD NATIONAL BANK
- PACIFIC PREMIER BANK
- PACIFIC WESTERN BANK
- PARK NATIONAL BANK
- PEOPLE’S UNITED BANK, N.A.
- PEOPLES BANK
- PEOPLES STATE BANK
- PINNACLE BANK
- PIONEER BANK, SSB
- PNC BANK INC. – BALTIMORE
- PNC BANK, NA
- PNC BANK, NATIONAL ASSOCIATION
- PROSPERITY BANK
- REGIONS BANK
- RENASANT BANK
- S & T BANK
- SANTANDER BANK
- SEACOAST NATIONAL BANK
- SECURITY STATE BANK
- SIMMONS BANK
- SIMMONS FIRST NATIONAL BANK
- SIMMONS FIRST NATL BK
- SOUTH STATE BANK
- STERLING NATIONAL BANK
- SYNOVUS BANK
- TBK BANK, SSB
- TD BANK NA
- TD BANK, NA
- TRUSTMARK NATIONAL BANK
- UMB, NA
- UMPQUA BANK
- UNIFY FINANCIAL FEDERAL CREDIT UNION
- UNION BANK & TRUST
- UNION STATE BANK
- UNITED BANK
- UNITED COMMUNITY BANK
- UNITED COMMUNITY BANK, INC
- US BANK NA
- USALLIANCE FEDERAL CREDIT UNION
- VALLEY NATIONAL BANK
- WEBSTER BANK
- WELLS FARGO BANK
- WELLS FARGO BANK NA
- WESBANCO BANK INC
How to find your bank routing number (ABA RTN)
The following is a list of the various options available to you for locating your ABA routing number:
- Routing Numbers section of this website: The majority of the major banks in the United States are listed above; you can begin your search there.
- Online banking portal: You will be able to get the routing number for your bank by logging into your online banking account.
- Paper check or bank statement: Checks issued by a bank or bank statements. Check the lower left corner of your check.
- Bank customer service: You’ll be able to get your routing number by contacting your bank’s customer service staff
- Fedwire / American Banking Association: You can look up your routing number on the official website of the Federal Reserve or the American Banking Association.
Always check with your bank or the recipient to ensure that the correct routing number has been provided so that the payment can be processed quickly and safely by your bank.
What is the Automated Clearing House (ACH) number?
The Automated Clearing House, also known as ACH, is an electronic payment delivery system that enables users to electronically send and receive payments as well as collect funds through a network known as ACH. ACH transactions are usually next-day entries when exchanged with other financial institutions. Direct deposits and the conversion of paper checks to electronic versions are both examples of ACH functions.
ACHs were developed to handle high volumes of low-value transactions and charge fees that are competitively priced to encourage the use of the system for the transfer of such transactions. The software was developed to support the acceptance of payment batches, which enables a large number of payments to be processed all at once.
Differences between FedACH & FedWire credit transfers
Accordingly, the following is a comparison of some of the key distinctions that can be made between ACH credit transfers and FedWire credit transfers in the United States.
- Availability: ACH transfers can only be used for financial dealings within the same country. If you want to send money to a foreign country using the ACH network, you will need to make use of an international wire transfer.
- Security: Both types of transfers provide additional layers of protection than what is available when you send a check in the mail. Due to the fact that banking information is encrypted while being transferred, financial institutions that process wire and ACH transfers offer an additional layer of protection to their customers. Before either kind of transfer can be finalized, a series of steps must first be taken to verify the sender’s identity or the recipient’s banking information. Despite these precautions, however, mistakes and fraudulent activity can still take place. Canceling a wire transfer is typically a race against the clock because it is processed much more quickly than ACH transfers and is considered complete once the funds have been received. ACH transfers can be stopped.
- Transfer limits: Both ACH and wire transfers have daily transfer limits that must be adhered to. Confirm this with your financial institution, such as your bank or credit union.
- Processing times: The processing of an ACH transfer can take anywhere from one to several business days, whereas the majority of wire transfers are completed within one business day.
- Posting times: The recipient of a wire transfer can access the funds as soon as they are deposited into their account. ACH transfers are carried out in a slightly different manner: the funds will be shown as “pending” status and won’t be made available to you for use until the ACH system has been fully cleared. There is a possibility that this will take up to three business days.
- Reversals: If there was an error with your ACH transfer, the good news is that you might be able to reverse the transaction by submitting a request for it. Above all, wire transfers, on the other hand, do not provide this luxury and, once the transaction is started, it cannot be reversed.
- Fees: You should budget anywhere from $10 to $35 for the fee associated with each wire transfer that you start. There is a possibility that recipients will be required to pay a small fee for incoming wire transfers. The vast majority of ACH transfers are free, but there may be a fee associated with expedited bill pay services or transfers to banks located outside of the United States.
Difference between routing numbers, SWIFT/BIC codes, IBANs, and sort codes
If you want to send or receive money through your bank, you will most likely come across some terms that you are unfamiliar with, such as the SWIFT / BIC code, the IBAN, and the sort code. What do each of these acronyms stand for, and what do people typically refer to them as? However, each one is necessary for certain circumstances due to the fact that various countries and banks have varying procedures and requirements. Although they all appear to do essentially the same thing, which is to assist banks in determining where your money needs to go when it is being transferred, the reality is that they do not.
When processing domestic ACH payments or wire transfers in the United States, routing numbers, which are nine-digit codes, are used to identify individual banks. When making payments in countries other than the United States, you do not need to provide these.
SWIFT / BIC codes are unique identifiers that can be used by banks and other financial institutions all over the world. These codes can have either 8 or 11 digits. In contrast to routing numbers, these codes are utilized for financial transactions that take place on a global scale.
IBANs, or international bank account numbers, are a means by which a country, a financial institution, and individual bank accounts can be uniquely identified. The majority of banks in the Eurozone are the ones to issue them, but financial institutions in other regions are beginning to follow suit.
Sort Codes Sort Codes are 6-digit numbers that identify the bank and the branch where a bank account is held. These numbers are used for domestic transfers.
Note: This website provides a quick and easy way to search & find routing numbers for banks and other financial institutions in the United States. If you’re not sure which routing number to use contact your bank directly. You can call your bank using the phone number listed on your debit/credit card or send a message through your online banking system. Using the wrong routing number can lead to delays in processing the transfer.
About Our Codes
Based on our comprehensive database of more than 100,000 unique numbers/codes. This site is only available for informational purposes. Users need to know that while every effort is made to provide accurate information, this website does not guarantee that it is correct. The accuracy of the bank account information can only be verified by your bank. We advise getting in touch with your bank before making a time-sensitive, important payment.
Difference between routing numbers, SWIFT/BIC codes, IBANs, and sort codes
If you want to send or receive money through your bank, you will most likely come across some terms that you are unfamiliar with, such as the SWIFT / BIC code, the IBAN, and the sort code. What do each of these acronyms stand for, and what do people typically refer to them as? However, each one is necessary for certain circumstances due to the fact that various countries and banks have varying procedures and requirements. Although they all appear to do essentially the same thing, which is to assist banks in determining where your money needs to go when it is being transferred, the reality is that they do not.
When processing domestic ACH payments or wire transfers in the United States, routing numbers, which are nine-digit codes, are used to identify individual banks. When making payments in countries other than the United States, you do not need to provide these.
SWIFT / BIC codes are unique identifiers that can be used by banks and other financial institutions all over the world. These codes can have either 8 or 11 digits. In contrast to routing numbers, these codes are utilized for financial transactions that take place on a global scale.
IBANs, or international bank account numbers, are a means by which a country, a financial institution, and individual bank accounts can be uniquely identified. The majority of banks in the Eurozone are the ones to issue them, but financial institutions in other regions are beginning to follow suit.
Sort Codes Sort Codes are 6-digit numbers that identify the bank and the branch where a bank account is held. These numbers are used for domestic transfers.
Note: This website provides a quick and easy way to search & find routing numbers for banks and other financial institutions in the United States. If you’re not sure which routing number to use contact your bank directly. You can call your bank using the phone number listed on your debit/credit card or send a message through your online banking system. Using the wrong routing number can lead to delays in processing the transfer.
About Our Codes
Based on our comprehensive database of more than 100,000 unique numbers/codes.
This site is only available for informational purposes. Users need to know that while every effort is made to provide accurate information, this website does not guarantee that it is correct. The accuracy of the bank account information can only be verified by your bank. We advise getting in touch with your bank before making a time-sensitive, important payment.