Routing Number Tools

USA Routing Number Tools – Complete Validator & Lookup System

đŸĻ USA Routing Number Tools

Complete validator, lookup system, and bank search for all US routing numbers. Validate, verify, and find accurate routing information instantly.

Routing Number Validator

Enter a 9-digit routing number to validate its authenticity using the ABA checksum algorithm. This tool checks if the routing number follows the official format used by US banks.

Example: 121000248 (Wells Fargo, CA)

Bank Information Lookup

Look up detailed bank information using a routing number. Get bank name, location, contact details, and supported services.

Routing Number Format Explained

A routing number (also called ABA routing number or RTN) is a 9-digit code that identifies financial institutions in the United States. Each digit and digit group has a specific meaning.

Example Breakdown: 121000248

Federal Reserve
12
ABA Institution
1000
Reserve Bank
24
Check Digit
8
📍 First 2 Digits: Federal Reserve District (01-12)
Identifies which of the 12 Federal Reserve Districts the bank is located in. For example, “12” represents the San Francisco Federal Reserve District covering states like California, Nevada, and more.
đŸĻ Digits 3-4: Federal Reserve Bank Branch (00-99)
Indicates the specific Federal Reserve Bank branch or the type of institution. “00” typically means a government institution, while others identify specific branches.
đŸ”ĸ Digits 5-8: ABA Institution Identifier (0001-9999)
Unique identifier assigned to the specific bank or financial institution by the American Bankers Association.
✓ Digit 9: Check Digit (0-9)
Calculated using a special algorithm to verify the routing number’s authenticity. This prevents typos and fraud.

Checksum Algorithm

The 9th digit (check digit) is calculated using this formula:

(3×d₁ + 7×d₂ + 1×d₃ + 3×d₄ + 7×d₅ + 1×d₆ + 3×d₇ + 7×d₈ + 1×d₉) mod 10 = 0

If this equation equals zero, the routing number is valid. This mathematical check prevents errors in processing.

Federal Reserve Districts

District Code Federal Reserve Bank States Covered
01 Boston Maine, Massachusetts, New Hampshire, Rhode Island, Vermont, Connecticut (northern)
02 New York New York, New Jersey, Connecticut (southern), Puerto Rico, Virgin Islands
03 Philadelphia Pennsylvania, Delaware, New Jersey (southern)
04 Cleveland Ohio, Pennsylvania (western), West Virginia (northern), Kentucky (eastern)
05 Richmond Maryland, Virginia, North Carolina, South Carolina, West Virginia (southern)
06 Atlanta Alabama, Florida, Georgia, Louisiana (southern), Mississippi (southern), Tennessee (eastern)
07 Chicago Illinois, Indiana, Iowa (eastern), Michigan, Wisconsin
08 St. Louis Arkansas, Illinois (southern), Indiana (southern), Kentucky (western), Mississippi (northern), Missouri, Tennessee (western)
09 Minneapolis Minnesota, Montana, North Dakota, South Dakota, Wisconsin (northwestern), Michigan (upper peninsula)
10 Kansas City Colorado, Kansas, Missouri (western), Nebraska, New Mexico, Oklahoma, Wyoming
11 Dallas Texas, Louisiana (northern), New Mexico (southern)
12 San Francisco Alaska, Arizona, California, Hawaii, Idaho, Nevada, Oregon, Utah, Washington

About Routing Numbers

What is a Routing Number?

A routing number (also called ABA routing transit number or RTN) is a unique 9-digit code that identifies financial institutions in the United States. Created by the American Bankers Association in 1910, routing numbers are essential for processing checks, wire transfers, ACH transactions, and direct deposits.

đŸĻ Purpose and Usage
Routing numbers serve as the “address” for banks in the US financial system. They tell other banks where to send or receive money. Every bank has at least one routing number, though larger banks may have multiple numbers for different states or transaction types.
đŸ’ŗ Common Uses
Direct Deposits: Employers need your routing number to deposit your paycheck.
ACH Transfers: Used for electronic bill payments and bank-to-bank transfers.
Wire Transfers: Essential for domestic and international money transfers.
Check Processing: Printed at the bottom of every check for automated processing.
🔍 Where to Find Your Routing Number
On Checks: The first 9 digits at the bottom left corner of your check.
Online Banking: Usually found in your account details or statements.
Bank Website: Most banks list routing numbers on their official websites.
Customer Service: Call your bank’s customer service for verification.
⚠ī¸ Important Notes
Multiple Numbers: Large banks may have different routing numbers for different states or services (ACH vs. wire).
Mergers & Acquisitions: Routing numbers may change when banks merge. Always verify the current number.
Security: While routing numbers aren’t secret, never share your full account details online.
International: US routing numbers don’t work for international transfers – you’ll need a SWIFT code instead.

Statistics

Active Routing Numbers
~22,000
Federal Reserve Districts
12
Year Created
1910
Registrar
LexisNexis

Transaction Types

Transaction Type Description Processing Time
ACH Transfer Electronic network for financial transactions in the US 1-3 business days
Wire Transfer Direct bank-to-bank electronic transfer Same day
Direct Deposit Automatic deposit of paychecks or benefits 1-2 business days
Check Processing Paper check clearing through the banking system 2-5 business days