Welcome to RoutingNumbers.onl – All Banks Wire Transfer Routing Numbers Directory!

The routing number refers to the location where a bank account was opened. Often referred to as an RTN (routing-transit-number) or ABA routing number, you’ll be asked for it whenever making payments via check/phone.

It is a nine-digit code that is unique for every bank account holder. This unique code enables banks to categorize transactions as per the location of the sender and the receiver (bank account).

You see, a bank routing number is a really secured way to maintain the transaction records for all types of monetary transactions. And wait, you too have seen this RTN or ABA somewhere. Cannot recall where?

Well, do check out your checkbooks as they have the routing number mentioned at the bottom. Every checkbook has the following three things mentioned –

  • Routing Number9 digits
  • Account Number10-12 digits
  • Check Number – 4 digits (usually)

Bank Routing Number is only applicable to the United States (for now) and you can only utilize it there. 

Bank accounts can easily be traced via this unique code and one can get valuable information regarding the transaction. Financial institutions have the privilege of getting more than 5 (up to 100) routing numbers due to their various mergers/acquisitions.

ABA/RTN has proven to be really beneficial in handling the transactions and keeping everything well documented.

This add-on has really helped the banking institutions to manage, handle and maintain records of the payments. Please note that all of this is for the safety of your telephonic and check-based transactions.

Do not share this code with other people (except for a transaction executive) that save it on their record.

Those people who do not have a checkbook, you guys can trace your ABA/RTN as well from the bank’s official website.

Just visit the website, go to your profile and find it over there.

BANK NAME LOCATIONS Routing Number
Golden 1 Credit Union Sacramento, CA
Huntington Bancshares Columbus, OH Check Huntington Bancshares Routing Number
Zions Bank Salt Lake City, UT Check Zions Bank Routing Number
Bank of America Charlotte, NC Check Bank of America Routing Number
VyStar Jacksonville, FL Check VyStar Routing Number
Citizens Financial Group Providence, RI Check Citizens Financial Group Routing Number
Fairwinds Credit Union Orlando, FL Check Fairwinds Routing Number
Mountain America Credit Union Sandy, UT Check Mountain America Credit Union Routing Number
University Federal Credit Union Austin, TX
TCF Bank Minneapolis, MN
Citizens Equity First Credit Union Peoria, Illinois
KeyBank Cleveland, OH
Digital Federal Credit Union Marlborough, MA Check DCU Routing Number
Randolph-Brooks Federal Credit Union Live Oak, TX
PNC Financial Services Pittsburgh, Pennsylvania Check PNC Routing Number
TIAA Bank Jacksonville, FL
The Bank of New York Mellon New York, NY
Suntrust Bank Atlanta, GA
America First Credit Union Riverdale, Utah
Navy Federal Vienna, VA
BECU Credit Union South Carolina, Washington
USAA Bank San Antonio, TX
Chase Bank Manhattan, New York City
TD Bank Cherry Hill, New Jersey
Charles Schwab Corporation San Francisco, California Check Charles Schwab Routing Number
Capital One McLean, Virginia Check Capital One Routing Number
Wells Fargo San Francisco, California
HSBC Bank USA New York City Check HSBC Routing Number
Bank of America Charlotte, North Carolina
Morgan Stanley Midtown Manhattan, New York City Check Morgan Stanley Routing Number
Goldman Sachs Bank New York City
Alaska USA Federal Credit Union Alaska
MidFloria Flordia Check Midflordia Routing Number
EECU Fresno Check EECU Routing Number
NCSECU Raleigh, NC Check NCSECU Routing Number

When and Why it is used?

Just like other reference numbers, a routing number (ABA/RTN routing number) is used for validity and verification purposes.

It is necessary to maintain and verify the credibility of the payment that has been initiated. The entire process is pretty linear and it is easy to understand.

According to me, you don’t have to be an expert in financial matters in order to understand ABA or RTN. Read along to find the flow of ACH for wire transfers.

  • First, you will have to register your account and routing numbers along with a remittance service provider (RSP).
  • Once the RSP replies in an affirmative, it then sends all the necessary information to the correspondent bank.
  • The bank responds to the RSP and then it creates a file with necessary details (routing number, account number).
  • Next, it transfers the file to the ACH – for the automated clearinghouse to get active. The money transfer process is imitated once there is a green light from the correspondent bank.
  • The money reaches the overseas bank via a sub-dollar transaction.
  • Finally, the receiver gets the money and the transfer process gets completed.

So, as you see, every branch comes with a different (unique) routing number. These routing numbers are necessary for electronic transactions as well. There are different types of RTN or ABA that are meant for variations in monetary transactions.

Banks can trace the RTN back to the parent bank involved so that proper records can be maintained. You need not worry about your routing number being misused as banks maintain a proper record of the same.

The listed order in which the records are maintained has proper security tags so that security breaches can be avoided. It is more like a reference for a particular transaction. Read along to find out more about RTN/ABA.

Where can I find routing number on the Cheque?

A check is an official bank document with which you can pay a specified amount in the name of the account holder. For many, it is just a piece of paper (more like a form) but is far more than that.

The routing number is displayed at the bottom of these checks along with the bank account number. All checks (usually) have this routing number stated on either of the corners (at the bottom).

You can check for the authenticity and integrity of the check by looking at this stated routing number.

  • Name & Address – Your (i.e. the payer) name and address should be mentioned on the top left corner of the cheque.
  • Date of Issue – You have to mention the date when you write the cheque.
  • Pay to the Order Of – The name of the person/company who will receive the money is to be mentioned here. You can also pay to self over here (if you wish to withdraw money).
  • Numeric Amount – Simply write the monetary amount in numbers in this box (leave no space).
  • Written Amount – Now, write the amount (in words) in this box. Do mention a closing phrase or word over here like – only or dollars. The practice is to fill up the entire empty space.
  • Bank Name – Basically, your bank’s name is mentioned here.
  • Memo/For – It is a draft box that should be filled with a brief message or description.
  • Signature Line – The payer should sign over here in order to validate the check.
  • Account Number – It is a 10-digit unique number that is mentioned at the bottom of every cheque.
  • Routing Number – This one usually follows the Account Number and is used to set up deposits at banks. A routing number is necessary to ensure that a bank has officially issued the check (validity).

Are Routing Numbers and SWIFT code same?

The ABA routing number refers to a unique numerical code that is meant for national banking transactions. These transactions can only be carried out within the United States of America (USA).

Just like every US citizen holds a Social Security Number (SSN), every bank allots a routing number for an account.

The basic necessity for this number is for the banks to get an idea of the transaction origin. You see, generally account numbers are not exposed at all levels of banking transactions.

To cope with that – ABA RTN is necessary and that’s how banks work with their national transactions.

Different countries have some kind of routing number, for instance, India has IFSCode for local transactions.

Bank account holders can trace back their routing number on the bank’s website (a process that has already been mentioned earlier).

SWIFT or Society for Worldwide Interbank Financial Telecommunication is a standardized transaction service for banking institutions worldwide. One big difference between routing and SWIFT is that – the former works for local transactions while the latter is for international transactions.

In order for the SWIFT transactions to be feasible, parties should share a code (SWIFT-code) that is in BIC format (Business Identified Format). This code is generally 8-11 numbers (depending on the bank) and the transfer process is a highly secured and encrypted process.

Every bank that supports international transactions has its own SWIFT code that can be found on its website. You too can make use of this code whenever making international payments (fee or purchase).

So, as you see – both routing number and SWIFT code are two different entities (that belong to the same curve). Every US-based bank has both codes and you can make use of either (or both) easily via internet-banking service. In short- no, both are not the same.

Routing number format and the meaning of the terminologies

The ABA routing number has a particular format that comprises of a nine-digit code (unique to every banking institution). It is necessary for locally sending or receiving money from one account to another.

There are plenty of systems that have been deployed for the same like – Fedwire, checks, and ACH. The most common spot where you can see the routing number is at the bottom of the checks. Routing-numbers have been organized by the American Bankers Association (ABA) back in 1910 and it’s been in use to date.

Proper registers are maintained (digital and physical) for the same.

  • The routing number comes in two forms – MICR and fraction form. They both contain the same information, but MICR (Magnetic Ink Character Recognition) is widely used (as of 2020).
  • In MICR – the numbers are arranged in the following form –

AAAABBBBX

Where –

AAAA Federal Reserve Routing Symbol

YYYY Financial Institution Identifier

X Check Digit

  • For the AAAA (Federal Reserve Routing Symbol) –

First two digits should be: 00-12 or 21-32 or 61-72 or 80.

00-12 are associated with Federal Reserve Banks (total 12).

21-32 can only be assigned to thrift institutions (i.e. credit unions, savings, and loan institutions).

61-72 are considered to be special-purpose numbers as well. These numbers are meant only for ETIs (i.e. Electronic Transaction Identifiers).

80 is meant for checks of those who’re traveling (i.e. traveler’s checks).

  • The ninth digit is the check digit and it should comply with the following condition:

3(a1 + a4 + a7) + 7(a2 + a5 + a8) + (a3 + a6 + a9) % 10 = 0

*the % symbol refers to mod and not percentage

Example:

Federal Reserve Bank of Minneapolis has a routing number: 111000038.

So, 3(1+0+0) + 7(1+0+3) + (1+0+8) = 40

And 40 % 10 = 0.

Hence, the condition was met.

Also Check: North Carolina PayCheck Calculator