What is a Bank Routing Number – Routing Number Lookup – How to

What is a Bank Routing Number: Where is it Found – How to Check for It – Routing Number Lookup

Are you having a hard time figuring out what a Bank Routing number is? Perhaps, you don’t know how to find your Bank Transit Routing number?  Less of all, where to find your routing number? Worry no more. This post got you covered.Routing Number

A breakdown of what this post covers;

  • What is Bank’s Routing Number
  • How to Find a Bank Routing Number (RTN)
  • Where to Find Routing Number on a Standard Check Book
  • Routing Number Explained
  • MICR Routing Number Format
  • What and How RN, Account Number, and Check Number Are Related
  • How to Find Routing Number on a Bank’s Website
  • How to Identify a Bank Using its Routing Number on the ABA website – ABA Routing Number Lookup (ABA Search)
  • ABA and ACH Routing Numbers
  • What is SWIFT and IBAN Codes
  • Why SWIFT, IBAN, and ABA Numbers and Codes are Important
  • List of US Banks – Check  By Bank name
  • List of US States – Check by States

Read This – It’s For you

Helpfully, before I embarked on writing this post, I made a few, yet, in-depth research on this topic.

In brief, I came across a list of national financial institutions. Also, attached in each, is their routing number checking portal URLs.

Gladly, I found this info published on one of the authority blogs I researched. On the other hand, driven by helpfulness, I deemed it most kindful to include it in this post for your reference.

Being careful, in a bid not to take your eyes off vital info, I published the complete list of US Banks alongside their URLs at the post end. Of course, if you care for the full list now, scroll down the post.

Graciously, I published the complete lists of US Banks, their addresses, cities, and states. In other words, you can find BANK ROUTING NUMBERS with Bank name or on the bank portal here in this post. Also, included is a list of Bank routing number search by states. In short, that’s so much value and resourcefulness. READ ON.

What is Bank’s Routing Number?

By definition, bank routing number otherwise called Bank routing transit number (RTN) is a transaction identification number used by Banks in the United States. In detail, it’s a 9-digits number used to identify a financial institution responsible for a transaction. Hence, most transactions where routing numbers are used is ACH and wire transfers. That said, the Bank routing number can be found on the bottom left corner of a standard check.

However, some banks and credit unions may have multiple routing numbers used for different identification purposes. More so, these numbers can be used to identify geographical regions or branches of a bank or financial institution. Therefore, it’s vital to check if you are using the correct routing number before you initiate a money transfer. Because failure to do might result in sending money to the wrong account or transaction error.

How Do I Find My Bank Routing Number?

To answer that question, I will start with a brief origin of Bank Routing number and why bank routing numbers were created. From the start, the American Bankers Association in a bid to control and track the circulation of paper checks. Hence, partnered with a series of registrars, currently “Accuity”, to manage the ABA routing number system.

As it stands, Accuity is the Official Routing Number Registrar and is responsible for assigning ABA RTNs and managing the ABA RTN system. Therefore, Accuity publishes the American Bankers Association Key to Routing Numbers every half of the year. Furthermore, the ABA “Key Book” consists of the listing of all ABA RTNs that have been assigned.

More so, the ABA Routing numbers are also called the American Clearing House (ACH) routing numbers. There exist three ways you can find a bank Routing Number;

  • On personal checks
  • Bank websites
  • ABA’s online database Portal

For your information, it’s good to know that bank routing numbers in the United States were originated created by the American Bankers Association (ABA) in 1911. At then, when the ABA arranged a meeting of Clearing House Managers in Chicago in December 1910. As a result, a committee was selected to assign each bank in the country a unique number to use. Consequently, In May 1911, the American Bankers Association released the first Bank routing codes on their database or website.

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Where can I Find a Routing Number on a Check?

Precisely, at account opening, you were given a checkbook. Good enough, on the bottom of your check lies or printed is your Routing number as well as your account number.

 Explained

To be specific, the ABA RTN appears in two forms on a personal check. First, It appears in fraction form, secondly, in MICR (magnetic ink character recognition) form. Be it as it may, both forms give the same information. Often, they exist a slight, but significant difference between the two.

Hence, the MICR forms are the main form – it’s printed in magnetic ink, and it’s machine-readable. More so, it appears at the bottom left of a standard check and consists of nine-digit codes. But are sometimes called Routing Transit Numbers, ABA Route Numbers, or RTNs.

While the fraction form was used for manual processing before the invention of the MICR line. Yet, it still serves as a backup in check processing should the MICR line become illegible or torn. Helpfully, it generally appears in the upper right part of a check near the date.

How to Read a MICR Routing Number Format

As earlier said, the MICR routing number consists of 9-digits. Therefore, to read and know what every number stands for. Let’s take for example the number; YYYYXXXXC – the first four digits (YYYY) is the Federal Reserve Routing Symbol, the second four digits (XXXX) is the ABA Institution Identifier code, while the last digit is (C) is the Check Digit.

Routing Number, Account Number, and Check Number: Are there Related?

By now, it’s clear that the bank routing number is a nine-digit bank transaction identification code. Thus, your account number is the unique number assigned to you by your bank for your bank account identification. Precisely, it’s printed on the bottom center of your check. So that, all payments made with your check is tracked. Furthermore, there exists another unique number printed on the right side of your check, it’s called a check number.

Key Note: Issuing checks requires you to provide a routing number and your Bank account number. Therefore, make sure you provide the correct information as providing wrong information may lead to transaction or transfer diversion or error. Hence, in most cases, it can’t be reversed.

Check Routing Number on your Bank Website – How to Find a This Number without a Check Book

For example, if you relocated to a new home, or for one reason or the other, you can’t access your checkbook. Not to worry, you can still check your Routing number without your check book.  As a result, you need a mobile phone and PC connected to the internet to check your Routing number on your Bank website.

How to Identify a Bank Using its Routing Number on the ABA website – ABA Routing Number Lookup (ABA Search)

ABA website is the best place to identify a bank routing number. For example, you made a transaction to a bank or someone did and you want to find the location, region, or branch of the receiving bank, just head to the ABA website and do ABA Routing Number Lookup or ABA search on the ABA database.

That said, be aware that ABA website routing lookup allows just a single bank lookup in a day and ten in a month. However, if what you do demands multiple days or more than ten monthly routing number search. It makes sense to contact the “Accuity Routing Number Registrar”. Furthermore, to your joy, the ABA site search also offers Bank lookup with Bank name and address.

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Keynote: A check can be received without a bank name. The reason is this, the Federal Reserve processing system can process transactions with only the routing number. Hence, it calls for more security and safety measures to your Routing number as you do to your social security number.

Instructions

  1. Visit https://www.aba.com/about-us/routing-number
  2. Navigate under the “Need to find or validate an ABA Bank Routing Number?”.
  3. Next, click on the Visit the online lookup
  4. Read and accept the terms and condition
  5. On the ABA routing Lookup main page, enter your ABA Routing number.
  6. Or financial routing Institution name
  7. Key in the City, state and zip code
  8. Pass the robot check and click search.

ABA and ACH Routing Numbers:  What’s the Difference?

Technically, ABA routing numbers apply to paper checks while ACH routing numbers apply to electronic transfers and withdrawals. Indeed, most major banks today use the same routing number for both. However, it’s not uncommon to see separate ABA and ACH routing numbers for regional lending institutions.

ABA routing numbers are sometimes referred to as the “check routing number,” and the ACH routing number as the “electronic routing number” or “number for electronic transfers.” Thus, if only one number is cited, the ABA and ACH routing numbers likely are the same, but it doesn’t hurt to contact your bank to be sure.

ACH and Wire Transfer: What’s the Difference?

Wire transfers are guaranteed funds that occur on the same day. But instructions are to be given to the originating bank before the cutoff time. Thus far, sent by the originating bank to the Federal Reserve and received and processed by the receiving institution before the close of their business day. That said, Wires are not real-time, they are normally the same day.

Apparently, Wire transfers cost the bank $0.35 per wire and the bank typically retails them to customers for $6 in high volume to $30 in very low volume.  At the same time, these fees cover the costs of labor, technology, and compliance.

ACH Transfers is not the same day, it is next (or can be future) day settlement.  More so, transactions are entered with a date to settle which is normally the next day. Therefore, at the opening of business banks receive files from the day before and process them, offsetting their general ledger with customer accounts. However because ACH debits are not guaranteed, the corresponding credit can be held. That said, ACH credits are guaranteed and must be settled on the settlement day by the NACHA Rules.

ACH cost banks $0.035 per transaction or $0.025 per transaction in bulk (1k transactions). They usually retail to customers for between $0.10 and $2.50, depending on volume. ACH by definition is meant to be automated and meant to be delayed settlement, thus the lower cost associated. There is a push for real-time and same-day ACH service but large banks are fighting the push

What are the SWIFT and IBAN Codes?

Society for Worldwide Interbank Financial Telecommunication (SWIFT) is a bank identifier code for making an international transaction. While the International Bank Account Number (IBAN) is an internationally assigned bank account number similar to your US bank account. However, few numbers are added to it.

Why SWIFT, IBAN, ABA Numbers, and Codes are Important

(IBAN) is an internationally agreed system of identifying bank accounts across national borders. Thus, to help facilitate the communication and processing of cross border transactions alongside with SWIFT.  While on the local transaction scene ABA is used for domestic transaction identification in the US.

The List of US Banks – Find A Bank ABA Routing Number

Here is the list of Banks in the United States and their Routing numbers. Furthermore, quickly select the bank and check their routing numbers.

  1. FIRST NATIONAL BANK
  2. BANK OF AMERICA, N.A.
  3. FIRST STATE BANK
  4. WELLS FARGO BANK
  5. PROSPERITY BANK
  6. FIFTH THIRD BANK
  7. CAPITAL ONE, N.A.
  8. BMO HARRIS BANK, N.A.
  9. PNC BANK, NA
  10. FIRST FINANCIAL BANK
  11. JPMORGAN CHASE
  12. CENTENNIAL BANK
  13. RENASANT BANK
  14. SYNOVUS BANK
  15. FIRST NATIONAL BANK OF PENNSYLVANIA
  16. IBERIABANK
  17. BANK OZK
  18. UNITED BANK
  19. US BANK NA
  20. FARMERS STATE BANK
  21. CITIZENS STATE BANK
  22. REGIONS BANK
  23. VALLEY NATIONAL BANK
  24. BMO HARRIS BANK NA
  25. COMPASS BANK
  26. BRANCH BANKING & TRUST COMPANY
  27. CITIZENS BANK
  28. FIRSTBANK
  29. BANNER BANK
  30. PEOPLES BANK
  31. PINNACLE BANK
  32. SOUTH STATE BANK
  33. AMERIS BANK
  34. BMO HARRIS BANK, N.A
  35. FIRST BANK
  36. M & T BANK
  37. UMPQUA BANK
  38. BANK OF AMERICA N.A.
  39. FIRST TENNESSEE BANK NATL ASSN
  40. KEY BANK
  41. PACIFIC PREMIER BANK
  42. PEOPLE’S UNITED BANK, N.A.
  43. COLUMBIA STATE BANK
  44. UNION BANK & TRUST
  45. MUFG UNION BANK, N.A.
  46. SECURITY STATE BANK
  47. NBH BANK
  48. PACIFIC WESTERN BANK
  49. PNC BANK, NATIONAL ASSOCIATION
  50. HERITAGE BANK
  51. CITIZENS BUSINESS BANK
  52. CITIZENS NATIONAL BANK
  53. EAST WEST BANK
  54. HUNTINGTON NATIONAL BANK
  55. TD BANK NA
  56. FARMERS & MERCHANTS BANK
  57. INDEPENDENT BANK
  58. NEW YORK COMMUNITY BANK
  59. TRUSTMARK NATIONAL BANK
  60. UNITED COMMUNITY BANK
  61. BANK OF AMERICA
  62. BANK OF NEW YORK MELLON
  63. HANCOCK WHITNEY BANK
  64. SANTANDER BANK
  65. WELLS FARGO BANK NA
  66. CORNERSTONE BANK
  67. EASTERN BANK
  68. FIRST COMMUNITY BANK
  69. INTERNATIONAL BANK OF COMMERCE
  70. PEOPLES STATE BANK
  71. PNC BANK INC. – BALTIMORE
  72. BANK OF THE WEST
  73. COMMUNITY BANK
  74. FIRST CITIZENS BANK & TRUST COMPANY
  75. INTERBANK
  76. UMB, NA
  77. BANK OF HOPE
  78. ARVEST BANK
  79. BUSEY BANK
  80. CHEMICAL BANK
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81. FIRST TENNESSEE BANK
  1. GLACIER BANK
  2. KEYBANK NATIONAL ASSOCIATION
  3. UNION STATE BANK
  4. CAPITAL CITY BANK
  5. FIRST NATIONAL BANK OF OMAHA
  6. PARK NATIONAL BANK
  7. SIMMONS FIRST NATL BK
  8. TD BANK, NA
  9. UNITED COMMUNITY BANK, INC
  10. BANCORP SOUTH
  11. BANCORP SOUTH BANK
  12. BYLINE BANK
  13. COMMERCE BANK
  14. COMMUNITY FIRST BANK
  15. COMMUNITY STATE BANK
  16. EQUITY BANK
  17. FEDERAL RESERVE BANK
  18. FINANCIAL PARTNERS CREDIT UNION
  19. FIRST BANK & TRUST
  20. FIRST MERCHANTS BANK
  21. SIMMONS BANK
  22. USALLIANCE FEDERAL CREDIT UNION
  23. WEBSTER BANK
  24. BERKSHIRE BANK
  25. CENTER STATE BANK, NATIONAL ASSOCIATI
  26. CITIZENS BANK NA
  27. CITY NATIONAL BANK
  28. COMMERCIAL BANK
  29. GREAT SOUTHERN BANK
  30. NATIONAL BANK OF COMMERCE
  31. SEACOAST NATIONAL BANK
  32. CATHAY BANK
  33. CITIBANK NA
  34. CITIBANK WEST
  35. COMMUNITY FIRST CREDIT UNION
  36. CREDIT UNION OF SOUTHERN CALIFORNIA
  37. FIRST MIDWEST BANK
  38. GERMAN AMERICAN BANK
  39. GREAT LAKES CREDIT UNION
  40. HSBC BANK, USA
  41. M B FINANCIAL BANK
  42. S & T BANK
  43. SIMMONS FIRST NATIONAL BANK
  44. STERLING NATIONAL BANK
  45. UNIFY FINANCIAL FEDERAL CREDIT UNION
  46. AXOS BANK
  47. BANK OF COMMERCE
  48. FIRST FINANCIAL BANK, N.A.
  49. CADENCE BANK, N.A.
  50. CAMDEN NATIONAL BANK
  51. COMERICA BANK
  52. COMMUNITY NATIONAL BANK
  53. HORIZON BK, AN INDIANA BANK
  54. HORIZON CREDIT UNION
  55. MIDLAND STATES BANK
  56. TBK BANK, SSB
  57. WESBANCO BANK INC
  58. BANCO POPULAR
  59. BANCORP SOUTH
  60. BANK PLUS
  61. CENTRAL BANK
  62. CIBC BANK USA
  63. COMMUNITY BANK OF MS
  64. FARMERS BANK
  65. FIDELITY BANK
  66. FIRST FIDELITY BANK
  67. BANK PLUS
  68. FIRST SAVINGS BANK
  69. OLD NATIONAL BANK
  70. PIONEER BANK, SSB

List of US States – Find Banks Routing Number Via States

To be specific, find the list of states in the US below. For example, when you click on any of the below states, it redirects you to a page that shows the Bank routing number, address, and city. And it’s helpful if you don’t want to look up banks by name or routing number.

  1. Alabama
  2. Alaska
  3. Arizona
  4. Arkansas
  5. California
  6. Colorado
  7. Connecticut
  8. Delaware
  9. District Of Columbia
  10. Florida
  11. Georgia
  12. Guam
  13. Hawaii
  14. Idaho
  15. Illinois
  16. Indiana
  17. Iowa
  18. Kansas
  19. Kentucky
  20. Louisiana
  21. Maine
  22. Maryland
  23. Massachusetts
  24. Michigan
  25. Minnesota
  26. Mississippi
  27. Missouri
  28. Montana
  29. Nebraska
  30. Nevada
  31. New Hampshire
  32. A New Jersey
  33. The New Mexico
  34. New York
  35. North Carolina
  36. North Dakota
  37. Northern Mariana Islands
  38. Ohio
  39. Oklahoma
  40. Oregon
  41. Pennsylvania
  42. Puerto Rico
  43. Rhode Island
  44. South Carolina
  45. South Dakota
  46. Tennessee
  47. Texas
  48. Utah
  49. Vermont
  50. Virgin Islands
  51. Virginia
  52. Washington
  53. West Virginia
  54. Wisconsin
  55. Wyoming

To you

Conclusively, I gladly know that this post will be helpful to you. However, if proved otherwise. As a result, if there is a fact or info you would want me to correct or add to the post. Maybe, a question. Best of all, a thank you comment. It’s no big deal, use the comment box below. I delight to hearing from you. Thank you.

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