What is a Bank Routing Number – Routing Number Lookup

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.

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 numbers searched by state. In short, that’s so much value and resourcefulness. READ ON.

What is Bank’s Routing Number?

By definition, a bank routing number otherwise called a 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 are 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 the Bank Routing numbers and why bank routing numbers were created. From the start, the American Bankers Association in 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.

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.

• M&T Bank
• Peoples United
• Regions Bank
• Santander
• SunTrust
• TD Bank
• Union Bank
• US Bank
• Bank of America, N.A.
• BB&T
• Wells Fargo
• Capital One
• Chase Bank
• Citigroup Inc.
• Fifth Third
• First Republic
• HSBC
• Huntington National Bank
• KeyBank
• Zions Bank

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.

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

81. FIRST TENNESSEE BANK

82. GLACIER BANK
83. KEYBANK NATIONAL ASSOCIATION
84. UNION STATE BANK
85. CAPITAL CITY BANK
86. FIRST NATIONAL BANK OF OMAHA
87. PARK NATIONAL BANK
88. SIMMONS FIRST NATL BK
89. TD BANK, NA
90. UNITED COMMUNITY BANK, INC
91. BANCORP SOUTH
92. BANCORP SOUTH BANK
93. BYLINE BANK
94. COMMERCE BANK
95. COMMUNITY FIRST BANK
96. COMMUNITY STATE BANK
97. EQUITY BANK
98. FEDERAL RESERVE BANK
99. FINANCIAL PARTNERS CREDIT UNION
100. FIRST BANK & TRUST
101. FIRST MERCHANTS BANK
102. SIMMONS BANK
103. USALLIANCE FEDERAL CREDIT UNION
104. WEBSTER BANK
105. BERKSHIRE BANK
106. CENTER STATE BANK, NATIONAL ASSOCIATI
107. CITIZENS BANK NA
108. CITY NATIONAL BANK
109. COMMERCIAL BANK
110. GREAT SOUTHERN BANK
111. NATIONAL BANK OF COMMERCE
112. SEACOAST NATIONAL BANK
113. CATHAY BANK
114. CITIBANK NA
115. CITIBANK WEST
116. COMMUNITY FIRST CREDIT UNION
117. CREDIT UNION OF SOUTHERN CALIFORNIA
118. FIRST MIDWEST BANK
119. GERMAN AMERICAN BANK
120. GREAT LAKES CREDIT UNION
121. HSBC BANK, USA
122. M B FINANCIAL BANK
123. S & T BANK
124. SIMMONS FIRST NATIONAL BANK
125. STERLING NATIONAL BANK
126. UNIFY FINANCIAL FEDERAL CREDIT UNION
127. AXOS BANK
128. BANK OF COMMERCE
129. FIRST FINANCIAL BANK, N.A.
130. CADENCE BANK, N.A.
131. CAMDEN NATIONAL BANK
132. COMERICA BANK
133. COMMUNITY NATIONAL BANK
134. HORIZON BK, AN INDIANA BANK
135. HORIZON CREDIT UNION
136. MIDLAND STATES BANK
137. TBK BANK, SSB
138. WESBANCO BANK INC
139. BANCO POPULAR
140. BANCORP SOUTH
141. BANK PLUS
142. CENTRAL BANK
143. CIBC BANK USA
144. COMMUNITY BANK OF MS
145. FARMERS BANK
146. FIDELITY BANK
147. FIRST FIDELITY BANK
148. BANK PLUS
149. FIRST SAVINGS BANK
150. OLD NATIONAL BANK
151. 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 proven 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 am delight to hear from you. Thank you.