What Is a Routing Number? How to Find Yours
Every bank in the United States has one or more routing numbers — 9-digit codes assigned by the American Bankers Association (ABA) that identify financial institutions in electronic transactions. Your routing number is different from your account number and is used to direct money to the right bank during direct deposits, ACH transfers, and wire transfers.
What is a routing number?
A routing number (also called an ABA routing number or routing transit number) is a 9-digit code that identifies your specific bank or credit union in financial transactions. It tells the payment network which institution holds your account. Routing numbers were created to facilitate electronic check processing and ACH transfers.
Where to find your routing number
Your routing number appears in several places: (1) On your paper check — it's the first 9-digit number printed at the bottom left of the check, before your account number and check number. (2) In your bank's mobile app or online banking under account details. (3) On your bank's official website. (4) By calling your bank's customer service line.
Routing number vs. account number
Your routing number identifies the bank, while your account number identifies your specific account at that bank. Both are needed for ACH transfers and direct deposits. Your routing number is the same for everyone at your bank (or the same for a specific state/region), while your account number is unique to you.
Why some banks have multiple routing numbers
Large banks — particularly those that have grown through mergers — may have different routing numbers for different states or regions. Always confirm which routing number to use with your specific bank and account. Some banks also use different routing numbers for different transaction types (e.g., wire transfers may use a separate number).
Frequently Asked Questions
Sources
- American Bankers Association (ABA) — Routing Number Registry
- Federal Reserve — ACH and payment system resources
Pro tip: Bookmark this guide and review it before opening a new bank account to ensure you understand all terms and conditions.