Routing Number & Bank Account Lookup

Search routing number and bank account validation

Lookup example: 021000021 and account 26207729



What is Routing Number?

In the United States, a routing number (also called routing transit number) is a nine-digit code that identifies financial institutions. It is mainly used to facilitate the transfer of money between financial institutions through systems such as ACH, Fedwire, check etc. Routing number can be found on the bottom of a check.

what is a routing number

Each financial institution can theoretically apply for up to 5 routing numbers according to policy. However, in reality, many institutions have more than 100 routing numbers due to mergers or acquisitions. The banks or credit unions that have multiple routing numbers may use different routing numbers for different purposes.

For example, some routing numbers are dedicated for use with Fedwire only, and cannot be used for ACH transfers. Some financial institutions may also assign routing numbers for specific regions or specific types of accounts, such as a business account. Also, sometimes a routing number can be used only for the old accounts of an acquired or merged bank.



Therefore, it is very important to double check and use the correct routing number before making a money transfer. The Routing Number Lookup tool can help verify the Routing Number is associated with a specific financial institution. You can also find routing numbers on the websites of most financial institutions or by calling them directly.

Routing Number Format

The routing number can have two forms—fraction form and MICR (magnetic ink character recognition) form. Essentially, they contain the same information. MICR form is the more commonly used form, and it is very rare to see the fraction form as of 2020.

In MICR form, the routing number is in the form of

XXXXYYYYC

Where XXXX is Federal Reserve Routing Symbol, YYYY is the Financial Institution Identifier, and C is the Check Digit.

Within the 4 digit Federal Reserve Routing Symbol, the first two digits can only be 00 - 12, 21 - 32, 61 - 72, or 80. Within these ranges, 21 - 32 are assigned to thrift institutions only, such as credit unions and savings banks. 61 - 72 are special purpose numbers for non-bank payment processors and clearinghouses and are termed Electronic Transaction Identifiers (ETIs). 80 is for traveler's checks. Aside from 80, the first two digits can be associated with the 12 Federal Reserve Banks:

Primary (01-12)Thrift (+20)Electronic (+60)Federal Reserve Bank
012161Boston
022262New York
032363Philadelphia
042464Cleveland
052565Richmond
062666Atlanta
072767Chicago
082868St. Louis
092969Minneapolis
103070Kansas City
113171Dallas
123272San Francisco

The check digit is the ninth digit of the routing number and must meet the following condition. This condition is mainly intended to reduce misrouting errors typically due to input errors.

3(d1+d4+d7) + 7(d2+d5+d8) + (d3+d6+d9) mod 10 = 0

For example, 111000038 is the routing number of the Federal Reserve Bank in Minneapolis.

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

40 mod 10 is 0, so the check digit condition was met.

Use the following checker to find out if a routing number is in the right MICR form.

List of largest banks in the United States

The following table provides a list of the major banks in the United States by assets of July 24, 2020.

American ExpressJPMorgan Chase
Bank of AmericaKey Bank
BBVA Compass BankMetabank
Capital OnePNC Bank
CitibankRegions Bank
Citizens BankSuntrust Bank
Comerica BankTD Bank
Fifth Third BankAlly Financial
First National BankUS Bank (U.S. Bancorp)
HSBC BankWells Fargo Bank