What is a Routing Number?
A routing number is a 9-digit code that identifies your bank or credit union. Learn everything you need to know about routing numbers and how to use them.
Quick Answer
A routing number (also called ABA number or RTN) is a 9-digit code that identifies which bank or credit union holds your account. It's required for direct deposits, wire transfers, and electronic payments.
Table of Contents
What is a Routing Number?
A routing number, also known as an ABA routing number or routing transit number (RTN), is a unique 9-digit code assigned to each bank or credit union in the United States.
The system was established in 1910 by the American Bankers Association (ABA) to facilitate the sorting, bundling, and delivery of paper checks. Today, routing numbers are essential for electronic transactions including:
- Direct deposits (payroll, tax refunds, government benefits)
- Wire transfers (domestic and international)
- ACH payments (automatic bill pay, subscriptions)
- Electronic checks (e-checks)
Structure of a Routing Number
Every routing number follows a specific structure:
- XXXX - Federal Reserve Routing Symbol - Identifies the Federal Reserve district and processing center
- YYYY - ABA Institution Identifier - Identifies the specific bank
- Z - Check Digit - Used for validation
Where to Find Your Routing Number
📄 On Your Check
The routing number is the first 9 digits at the bottom left of your check, before your account number.
📱 Online Banking
Log into your bank's website or app and look in account details or settings.
📑 Bank Statement
Your routing number is often printed on your monthly bank statements.
🔍 USBankCodes.com
Search our routing number database to find any US bank's routing number.
Types of Routing Numbers
Banks may have different routing numbers for different purposes:
| Type | Used For |
|---|---|
| ACH Routing Number | Direct deposits, automatic payments, bill pay |
| Wire Transfer Routing Number | Domestic and international wire transfers |
| Check Processing Number | Paper check processing |
Note: Many banks use the same routing number for all purposes, but some large banks have separate numbers.
What is a Routing Number Used For?
Direct Deposit
Receive your paycheck, tax refund, or government benefits directly into your account.
Wire Transfers
Send or receive money quickly, especially for large amounts or international transfers.
Bill Pay & Subscriptions
Set up automatic payments for utilities, rent, or subscription services.
Link Bank Accounts
Connect your bank to payment apps like Venmo, PayPal, or investment platforms.
Frequently Asked Questions
Is my routing number the same as my account number?
No. A routing number identifies your bank, while an account number identifies your specific account at that bank. You need both for most transactions.
Can I have multiple routing numbers?
Yes, if you have accounts at different banks. Also, some large banks have different routing numbers for different states or types of transactions.
Is it safe to share my routing number?
Routing numbers are semi-public information (printed on every check). However, you should never share your routing number AND account number together unless you're setting up a legitimate transaction.
Do routing numbers change?
Rarely. Routing numbers can change during bank mergers or acquisitions, but banks typically notify customers well in advance.
Find Any Bank's Routing Number
Search our database of over 2,000 US bank routing numbers.
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