Bank Routing Numbers Database Search
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The largest and most complete online bank routing number database known to date
Bank Routing Number also known as Routing Transit Number is a nine-digit bank code (e.g. 026013165), located along side the account number, and primary used in the United States. It can be found at the very bottom of checks and other negotiable instruments and serves to identify the financial institution on which it was drawn. This bank routing number was designed to facilitate the sorting, bundling, and shipment of paper checks back to the payer's (check-writer's) account. Routing Transit Numbers are also used by Federal Reserve Banks to process Fedwire funds transfers, and by the Automated Clearing House to process direct deposits, bill payments, and other identical automated transfers.
There are approximately 22,000 active routing transit numbers currently in use which are all listed in our Routing Database. Every financial institution in the United States has at least one associated bank routing number. The RTN number is derived from the bank's transit number originated by the American Bankers Association, which designed it in 1910. The ABA Routing Number for checking savings and money market accounts is based on where you first opened your account.
ABA routing numbers are only used in domestic transactions within the United States of America and are of two types. One for funds being debited or credited to or from accounts and another one that is used for wire transfers. They are different in some ways and usually the ABA routing number on a check book is the middle set of nine numbers printed at the bottom of the check. Domestic transfers that use the debit or credit routing number will usually be returned to the sending bank. Incoming international wire transfers use a different code system called SWIFT-BIC, BIC code, SWIFT ID or SWIFT code (refer to ISO 9362). There exists a known amount of overlapping issues between these codes and complicating the matter - European Banks use an IBAN code.
You may also be asked for your bank's routing numbers if you decide to pay your cable, trash, cell phone, and other bills directly from your checking account. The Federal Reserve Routing Numbers were originally assigned in a way that reflected a bank's geographical location and internal handling by the Federal Reserve. However, following banking consolidation, many banks nowadays use a routing number from a now-defunct bank, while the Federal Reserve no longer assigns specific numbers for savings deposits. As check processing is now centralized within each Federal Reserve district - check processing facility does not have any current meaning.
Essentially, bank routing numbers exist so that you can write a check instead of paying for everything with cash. If you think of a check as a letter, the bank routing number plays the role of both the address and the return address, depending on the situation. It tells the people who sort and deliver checks where the check came from and where it should go. Although the most obvious use of bank routing numbers is writing and identifying paper checks, in some cases you may need to provide bank routing numbers.