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8. Security - check for the yellow padlock on the Routing Transit Number site before you buy, and the s after http:/ /i.e. https:// = a secure site
9. Contact - got a question about Routing Transit Number, or want to leave a comment then check out the sites contact page. Reputable companies have them and respond.
10. Payment - ready to pay for your Routing Transit Number, then use your credit card or PayPal! Be aware of companies that don't accept them, there may be genuine reasons but given the huge amount of choice you have when buying online there is no reason at all not to buy via credit card or PayPal.
A
routing transit number (RTN) is a nine digit bank code, used in the United States, which appears on the bottom of negotiable instruments such as
cheques that identifies which financial institution it is drawn upon. This code is also used by the
Automated Clearing House to process direct deposits and other automated transfers. The routing number is derived from the bank's transit number originated by the
American Bankers Association, which designed it in
1910.
ABA number management
Since 1911, the American Bankers Association has assigned transit numbers through a series of registrars, currently
Accuity. The company is responsible for assigning new ABA numbers. Accuity publishes the ABA Number Directory in the
American Bankers Association Key to Routing Numbers semi-annually.
There are approximately 24,000 active routing and transit numbers currently in use. Every financial institution has one of these.
The ABA transit number generally appears in the upper right part of a check near the date. It looks like a fraction, with a numerator and a denominator. The denominator is identical to the first four digits of the routing number (except it would never have a leading zero). The numerator consists of two parts. The prefix is a one to three digit code indicating the region where the bank is located. The numbers 1 to 49 are cities. They were assigned by size of the cities in 1910. The numbers 50 to 99 are states. They were assigned in a rough spatial geographic order. They are used for banks located outside one of the 49 numbered cities. There might be a fourth element to the ABA number, a branch number, at either the end of the transit number or to the right of it.
{| class="wikitable"|-! prefix! location|-| 1| New York, NY|-| 2| Chicago, IL|-| 3| Philadelphia, PA|-| 4| St. Louis, MO|-| 5| Boston, MA|-| 6| Cleveland, OH|-| 7| Baltimore, MD|-| 8| Pittsburgh, PA|-| 9| Detroit, MI|-| 10| Buffalo, NY|-| 11| San Francisco, CA|-| 12| Milwaukee, WI|-| 13| Cincinnati, OH|-| 14| New Orleans, LA|-| 15| Washington D.C.|-| 16| Los Angeles, CA|-| 17| Minneapolis, MN|-| 18| Kansas City, MO|-| 19| Seattle, WA|-| 20| Indianapolis, IN|-| 21| Louisville, KY|-| 22| St. Paul, MN|-| 23| Denver, CO|-| 24| Portland, OR|-| 25| Columbus, OH|-| 26| Memphis, TN|-| 27| Omaha, NE|-| 28| Spokane, WA|-| 29| Albany, NY|-| 30| San Antonio, TX|-| 31| Salt Lake City, UT|-| 32| Dallas, TX|-| 33| Des Moines, IA|-| 34| Tacoma, WA|-| 35| Houston, TX|-| 36| St. Joseph, MO|-| 37| Fort Worth, TX|-| 38| Savannah, GA|-| 39| Oklahoma City, OK|-| 40| Wichita, KS|-| 41| Sioux City, IA|-| 42| Pueblo, CO|-| 43| Lincoln, NE|-| 44| Topeka, KS|-| 45| Dubuque, IA|-| 46| Galveston, TX|-| 47| Cedar Rapids, IA|-| 48| Waco, TX|-| 49| Muskogee, OK|-| 50| New York|-| 51| Connecticut|-| 52| Maine|-| 53| Massachusetts|-| 54| New Hampshire|-| 55| New Jersey|-| 56| Ohio|-| 57| Rhode Island|-| 58| Vermont|-| 59| Alaska, American Samoa, Guam, Hawaii, Puerto Rico, Virgin Islands|-| 60| Pennsylvania|-| 61| Alabama|-| 62| Delaware|-| 63| Florida|-| 64| Georgia|-| 65| Maryland|-| 66| North Carolina|-| 67| South Carolina|-| 68| Virginia|-| 69| West Virginia|-| 70| Illinois|-| 71| Indiana|-| 72| Iowa|-| 73| Kentucky|-| 74| Michigan|-| 75| Minnesota|-| 76| Nebraska|-| 77| North Dakota|-| 78| South Dakota|-| 79| Wisconsin|-| 80| Missouri|-| 81| Arkansas|-| 83| Kansas|-| 84| Louisiana|-| 85| Mississippi|-| 86| Oklahoma|-| 87| Tennessee|-| 88| Texas|-| 90| California|-| 91| Arizona|-| 92| Idaho|-| 93| Montana|-| 94| Nevada|-| 95| New Mexico|-| 96| Oregon|-| 97| Utah|-| 98| Washington|-| 99| Wyoming|-| 101| Assigned|}
Routing number format
The routing number consists of 9 digits:
XXXXYYYYC
where XXXX is Federal Reserve Routing Symbol, YYYY is ABA Institution Identifier,and C is the Check Digit
Routing symbol
The symbol that typically prefixes routing transit numbers has a Unicode value of U+2446 and looks like this: ⑆
If your computer cannot display this character, it may be seen here.
Number Format and Standards
The first two digits of the nine digit ABA number must be in the ranges 00 through 12, 21 through 32, 61 through 72, or 80.
The digits are assigned as follows:
- 00 is used by the United States Government
- 01 through 12 are the "normal" routing numbers
- 21 through 32 were assigned only to thrift institutions (e.g. credit unions and savings banks) through 1985; currently are still used by the thrift institutions, or their successors
- 61 through 72 are used for electronic transactions
- 80 is used for traveler's cheques
The first two digits correspond to the 12
Federal Reserve Banks as follows:
Primary
Thrift
Electronic
Federal Reserve Bank
01
21
61
[Federal Reserve Bank of Boston
02
22
62
[Federal Reserve Bank of New York
03
23
63
[Federal Reserve Bank of Philadelphia
04
24
64
[Federal Reserve Bank of Cleveland
05
25
65
[Federal Reserve Bank of Richmond
06
26
66
[Federal Reserve Bank of Atlanta
07
27
67
[Federal Reserve Bank of Chicago
08
28
68
[Federal Reserve Bank of St Louis
09
29
69
[Federal Reserve Bank of Minneapolis
10
30
70
[Federal Reserve Bank of Kansas City
11
31
71
[Federal Reserve Bank of Dallas
12
32
72
[Federal Reserve Bank of San Francisco
Internal checksums
The number must pass a
checksum test using a position-weighted sum of each of the digits.
- The following condition must hold: ( 3 (d_1 + d_4 + d_7) + 7 (d_2 + d_5 + d_8) + 1 (d_3 + d_6 + d_9) ) \bmod 10 = 0. (Modulo or modulo is the remainder of a division operation.)
As an example, consider 111000025 (which is a valid routing number of Bank of America in Texas). Applying the formula, we get:(3 (1+0+0) + 7 (1+0+2) + 1 (1+0+5)) \bmod 10 = 30 \bmod 10 = 0.
Canadian transit number
Canadian transit numbers are regulated by the
Canadian payments association. A number has the following form:
XXXXX-YYY
where XXXXX is a Branch Number, and YYY is an Institution Number. The dash between the branch number and the institution number is an integral part of the transit number.
As a general rule, Bank institution numbers start with 0, 2, 3, or 6,
Credit Union and
Caisse Populaire institution numbers start with 8, and
Trust Company institution numbers with 5.
Examples:
In a Canadian bank transit number, the last digit of the branch number, with few exceptions, indicates the geographical location of the branch.
Branch numbers ending with:
- 0 are located in British Columbia
- 1 are located in Western Québec including Montreal and surrounding area
- 2 are located in Ontario including Toronto and surrounding area
- 3 are located in Nova Scotia, Prince Edward Island and Newfoundland (island) excluding Labrador
- 4 are located in New Brunswick
- 5 are located in Eastern Québec including Labrador
- 6 are located in Eastern Ontario including Ottawa and surrounding area
- 7 are located in Manitoba and North-Western Ontario
- 8 are located in Saskatchewan
- 9 are located in Alberta
For example, the number 5887
6-004 indicates that the associated account is held at an Eastern Ontario branch of The Toronto-Dominion Bank (5887
6 is the branch number, and 004 is the institution number).
Please see http://www.cdnpay.ca/rules/pdfs_rules/rule_d4.pdf for a listing of current and historical financial institution ID numbers.
See also
General Category
Canada has similar but different transaction routing structures
External links
- Official ABA Routing Number Policy (PDF File)
- Federal Reserve Districts
- Find banks' ABA numbers or which bank owns a given ABA number
A
routing transit number (RTN) is a nine digit bank code, used in the
United States, which appears on the bottom of negotiable instruments such as cheques that identifies which financial institution it is drawn upon. This code is also used by the
Automated Clearing House to process
direct deposits and other automated transfers. The routing number is derived from the bank's transit number originated by the
American Bankers Association, which designed it in
1910.
ABA number management
Since 1911, the American Bankers Association has assigned transit numbers through a series of registrars, currently
Accuity. The company is responsible for assigning new ABA numbers. Accuity publishes the ABA Number Directory in the
American Bankers Association Key to Routing Numbers semi-annually.
There are approximately 24,000 active routing and transit numbers currently in use. Every financial institution has one of these.
The ABA transit number generally appears in the upper right part of a check near the date. It looks like a fraction, with a numerator and a denominator. The denominator is identical to the first four digits of the routing number (except it would never have a leading zero). The numerator consists of two parts. The prefix is a one to three digit code indicating the region where the bank is located. The numbers 1 to 49 are cities. They were assigned by size of the cities in 1910. The numbers 50 to 99 are states. They were assigned in a rough spatial geographic order. They are used for banks located outside one of the 49 numbered cities. There might be a fourth element to the ABA number, a branch number, at either the end of the transit number or to the right of it.
{| class="wikitable"|-! prefix! location|-| 1| New York, NY|-| 2| Chicago, IL|-| 3| Philadelphia, PA|-| 4| St. Louis, MO|-| 5| Boston, MA|-| 6| Cleveland, OH|-| 7| Baltimore, MD|-| 8| Pittsburgh, PA|-| 9| Detroit, MI|-| 10| Buffalo, NY|-| 11| San Francisco, CA|-| 12| Milwaukee, WI|-| 13| Cincinnati, OH|-| 14| New Orleans, LA|-| 15| Washington D.C.|-| 16| Los Angeles, CA|-| 17| Minneapolis, MN|-| 18| Kansas City, MO|-| 19| Seattle, WA|-| 20| Indianapolis, IN|-| 21| Louisville, KY|-| 22| St. Paul, MN|-| 23| Denver, CO|-| 24| Portland, OR|-| 25| Columbus, OH|-| 26| Memphis, TN|-| 27| Omaha, NE|-| 28| Spokane, WA|-| 29| Albany, NY|-| 30| San Antonio, TX|-| 31| Salt Lake City, UT|-| 32| Dallas, TX|-| 33| Des Moines, IA|-| 34| Tacoma, WA|-| 35| Houston, TX|-| 36| St. Joseph, MO|-| 37| Fort Worth, TX|-| 38| Savannah, GA|-| 39| Oklahoma City, OK|-| 40| Wichita, KS|-| 41| Sioux City, IA|-| 42| Pueblo, CO|-| 43| Lincoln, NE|-| 44| Topeka, KS|-| 45| Dubuque, IA|-| 46| Galveston, TX|-| 47| Cedar Rapids, IA|-| 48| Waco, TX|-| 49| Muskogee, OK|-| 50| New York|-| 51| Connecticut|-| 52| Maine|-| 53| Massachusetts|-| 54| New Hampshire|-| 55| New Jersey|-| 56| Ohio|-| 57| Rhode Island|-| 58| Vermont|-| 59| Alaska, American Samoa, Guam, Hawaii, Puerto Rico, Virgin Islands|-| 60| Pennsylvania|-| 61| Alabama|-| 62| Delaware|-| 63| Florida|-| 64| Georgia|-| 65| Maryland|-| 66| North Carolina|-| 67| South Carolina|-| 68| Virginia|-| 69| West Virginia|-| 70| Illinois|-| 71| Indiana|-| 72| Iowa|-| 73| Kentucky|-| 74| Michigan|-| 75| Minnesota|-| 76| Nebraska|-| 77| North Dakota|-| 78| South Dakota|-| 79| Wisconsin|-| 80| Missouri|-| 81| Arkansas|-| 83| Kansas|-| 84| Louisiana|-| 85| Mississippi|-| 86| Oklahoma|-| 87| Tennessee|-| 88| Texas|-| 90| California|-| 91| Arizona|-| 92| Idaho|-| 93| Montana|-| 94| Nevada|-| 95| New Mexico|-| 96| Oregon|-| 97| Utah|-| 98| Washington|-| 99| Wyoming|-| 101| Assigned|}
Routing number format
The routing number consists of 9 digits:
XXXXYYYYC
where XXXX is Federal Reserve Routing Symbol, YYYY is ABA Institution Identifier,and C is the Check Digit
Routing symbol
The symbol that typically prefixes routing transit numbers has a Unicode value of U+2446 and looks like this: ⑆
If your computer cannot display this character, it may be seen here.
Number Format and Standards
The first two digits of the nine digit ABA number must be in the ranges 00 through 12, 21 through 32, 61 through 72, or 80.
The digits are assigned as follows:
- 00 is used by the United States Government
- 01 through 12 are the "normal" routing numbers
- 21 through 32 were assigned only to thrift institutions (e.g. credit unions and savings banks) through 1985; currently are still used by the thrift institutions, or their successors
- 61 through 72 are used for electronic transactions
- 80 is used for traveler's cheques
The first two digits correspond to the 12 Federal Reserve Banks as follows:
Primary
Thrift
Electronic
Federal Reserve Bank
01
21
61
[Federal Reserve Bank of Boston
02
22
62
[Federal Reserve Bank of New York
03
23
63
[Federal Reserve Bank of Philadelphia
04
24
64
[Federal Reserve Bank of Cleveland
05
25
65
[Federal Reserve Bank of Richmond
06
26
66
[Federal Reserve Bank of Atlanta
07
27
67
[Federal Reserve Bank of Chicago
08
28
68
[Federal Reserve Bank of St Louis
09
29
69
[Federal Reserve Bank of Minneapolis
10
30
70
[Federal Reserve Bank of Kansas City
11
31
71
[Federal Reserve Bank of Dallas
12
32
72
[Federal Reserve Bank of San Francisco
Internal checksums
The number must pass a
checksum test using a position-weighted sum of each of the digits.
- The following condition must hold: ( 3 (d_1 + d_4 + d_7) + 7 (d_2 + d_5 + d_8) + 1 (d_3 + d_6 + d_9) ) \bmod 10 = 0. (Modulo or modulo is the remainder of a division operation.)
As an example, consider 111000025 (which is a valid routing number of Bank of America in Texas). Applying the formula, we get:(3 (1+0+0) + 7 (1+0+2) + 1 (1+0+5)) \bmod 10 = 30 \bmod 10 = 0.
Canadian transit number
Canadian transit numbers are regulated by the
Canadian payments association. A number has the following form:
XXXXX-YYY
where XXXXX is a Branch Number, and YYY is an Institution Number. The dash between the branch number and the institution number is an integral part of the transit number.
As a general rule, Bank institution numbers start with 0, 2, 3, or 6, Credit Union and Caisse Populaire institution numbers start with 8, and
Trust Company institution numbers with 5.
Examples:
In a Canadian bank transit number, the last digit of the branch number, with few exceptions, indicates the geographical location of the branch.
Branch numbers ending with:
- 0 are located in British Columbia
- 1 are located in Western Québec including Montreal and surrounding area
- 2 are located in Ontario including Toronto and surrounding area
- 3 are located in Nova Scotia, Prince Edward Island and Newfoundland (island) excluding Labrador
- 4 are located in New Brunswick
- 5 are located in Eastern Québec including Labrador
- 6 are located in Eastern Ontario including Ottawa and surrounding area
- 7 are located in Manitoba and North-Western Ontario
- 8 are located in Saskatchewan
- 9 are located in Alberta
For example, the number 5887
6-004 indicates that the associated account is held at an Eastern Ontario branch of The Toronto-Dominion Bank (5887
6 is the branch number, and 004 is the institution number).
Please see http://www.cdnpay.ca/rules/pdfs_rules/rule_d4.pdf for a listing of current and historical financial institution ID numbers.
See also
General Category
Canada has similar but different transaction routing structures
External links
- Official ABA Routing Number Policy (PDF File)
- Federal Reserve Districts
- Find banks' ABA numbers or which bank owns a given ABA number
