A Bank Routing Number, used only in the United States, is a nine digit numeric code, also referred to as an ABA number or a RTN (routing transit number), used to identify a financial institution in a transaction when facilitating the electronic routing of funds. A RTN is most largely used by FedWire, which is operated by the Federal Reserve Banks of the United States, which allows financial institutions to transfer funds electronically while also processing 60% of ACH (Automated Clearing House) transactions.

Generally, people use routing numbers for either registering a direct deposit, setting up a bank wire, or reordering bank checks.A routing number can be found in many ways but the most convenient and popular way of finding it is on the bottom left side of a check, which is in MIRC (magnetic ink character recognition) form issued by a financial institution. As seen below; Check routing number

Routing Number Format


  • XXXX symbolizes the Federal Reserve Routing Symbol.
  • YYYY is the ABA number that identifies the institution and where it's located.
  • C is the check digit.

Many banks make it very convenient while having their set of routing numbers on their website. Other banks only make the routing number available once you have logged into your account online, which from there you can have access. It's very important to keep in mind, if you are with a bank that has many branches throughout the Untied States, the routing number will change from state to state in most cases, so make sure you use the right number.