Routing Number

What is a Routing Number?

A routing number is a nine-digit number associated with financial institutions and may also be referred to as an ABA number. It is usually located in the bottom left corner of a check. You can also find your financial institution’s routing number by visiting their website or logging into your accounts. Don’t confuse your account number for the routing number.

Routing Numbers Explained

Routing numbers were developed by the American Bankers Association (ABA) in 1910. Each number is unique to one financial institution. However, one bank may have multiple routing numbers, which are determined by factors like the region where the account is opened.

Routing numbers allow financial institutions—such as banks and credit unions—to trace where the money is coming from and where it is going so as not to confuse one bank with another.

Difference Between a Routing Number and an Account Number

A routing number identifies the bank that’s responsible for money going in and out of your account. An account number identifies your specific account.

Along with your bank account number, routing numbers are part of the information required for financial institutions to process direct deposits, checks, auto payments, and wire transfers.

How to Find the Routing Number

A routing number is public and readily available online.

  • Visit your financial institution’s website for the routing or ABA numbers.
  • Open your financial institution’s mobile app.
  • Call your financial institution for the routing number.
  • Find a check and look for the routing number printed. The first nine digits are at the bottom of the check between two colons.

Find the Routing Number

When a Routing Number is Needed

Whenever an organization needs to access your banking accounts, they will often ask for the routing number along with your checking account, savings account, or account number.

Some examples include:

  • For direct deposit of your paycheck into your account
  • To make electronic payments from your account
  • For money transfers into your account
  • Setting up any ACH (Automatic Clearing House) transactions or EFT (Electronic Funds Transfers).
  • Connecting different banking accounts for transfers between your accounts

Note: Providing an incorrect routing number may prevent your payments or deposits from being credited properly. Always double-check to ensure you have the right routing number when signing up for payments or deposits.