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Bank routing number lookup. Definition, Where and How to find yours


Jan 31, 2023

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In the United States, banks, credit unions, and payment processors, including clearinghouses, require users to use a bank routing number and an account number to execute numerous sorts of financial transactions other than paper checks. If you do not know what is the bank routing number? Don’t worry, DBNC Financial Group will clarify the routing number and its use, whether it is necessary and how to determine your bank’s routing number.

Bank routing number lookup. Definition, Where and How to find yours

Bank routing number lookup. Definition, Where and How to find yours

What does a bank routing number mean?

Financial institutions use nine-digit routing numbers to identify other financial organizations. For example, a routing transit number (RTN) and an ABA routing number (American Bankers Association) are different names. Institutions can discover your specific account using this information along with your account number.

To speed up and improve the efficiency of transactions, the banking industry introduced the numbers in 1910. The possibility of miscommunication is decreased because each bank has a unique number allocated to it. Thus, with unique bank routing numbers, two banks are still easily distinguished from one another even if they have identical names.

Understandably, you can consider it a numerical address that a bank may use to transmit and receive money from other financial organizations. The routing number identifies the financial institution in charge of the payment and guarantees that the money is delivered to the correct location. Currently, routing numbers are utilized in various financial activities including direct deposits, wire transfers and payments using banking applications.

When will you require your routing number?

Your routing number will be required in various scenarios, including setting up direct deposit, automated loan payments, and recurring transfers such as bill payments.

You’ll also need it when you file your taxes to collect your tax refund, debt a tax payment, or when making Automated Clearing House, or ACH, transactions between bank accounts. You will only need your routing number when transferring cash to or from your bank account – never for debit or credit card purchases.

How to find routing number on a check

Your routing number may be found in the lower-left corner of your checks. It’s the first nine digits in a lengthy string of numbers. That string of numbers, known as the magnetic ink character recognition line, contains your routing number, account number, and check number in that sequence.

If you don’t have a check, your routing number can be found in other ways:

  • Online banking
  • Your bank account statement
  • Phone customer service at your bank

Remember that route numbers might alter from time to time. For example, financial organizations might liquidate branches, rearrange their operations, or modify the purpose of a routing number, which can all impact the number associated with your account. Therefore, confirm your routing number with your bank before using it to avoid giving out the wrong number.

Every bank has at least one routing number, and bigger banks may have many. When you create an account with a bank with numerous routing numbers, they might vary based on where you started your budget and the transaction you’re running.

Suppose you live in Texas, for example. In that case, your routing number for setting up direct deposit may differ from your friend’s in California and your mother’s when she accepts an incoming wire transfer — even if you all use the same bank.

Routing numbers for the bank of the U.S.

Verify that the routing number for your state shown below is the same as what appears on your checks or your online account when you are logged in.

The following Bank of America routing numbers are only used for electronic payments from checking accounts. Certain states or areas use different routing numbers for checks and electronic payments. In addition, wire transfers typically have their routing numbers as well.

State Routing number
Alabama 051000017
Alaska 051000017
Arizona 122101706
Arkansas 082000073
California 121000358
Colorado 123103716
Connecticut 011900254
Delaware 031202084
Washington, D.C. 054001204
Florida 063100277
Georgia 061000052
Hawaii 051000017
Idaho 123103716
Illinois (South and Chicago Metro) 081904808
Illinois (North) 071000505
Indiana 071214579
Iowa 073000176
Kansas 101100045
Kentucky 064000020
Louisiana 051000017
Maine 011200365
Maryland 052001633
Massachusetts 011000138
Michigan 072000805
Minnesota 071214579
Mississippi 051000017
Missouri 081000032
Montana 051000017
Nebraska 051000017
Nevada 122400724
New Hampshire 011400495
New Jersey 021200339
New Mexico 107000327
New York 021000322
North Carolina 053000196
North Dakota 051000017
Ohio 071214579
Oklahoma 103000017
Oregon 323070380
Pennsylvania 031202084
Rhode Island 011500010
South Carolina 053904483
South Dakota 051000017
Tennessee 064000020
Texas 111000025
Utah 123103716
Vermont 051000017
Virginia 051000017
Washington 125000024
West Virginia 051000017
Wisconsin 051000017
Wyoming 051000017

Routing numbers for Wells Fargo

Verify that the routing number for your state shown below is the same as what appears on your checks or your online account when you are logged in.

Please note that these Wells Fargo routing numbers are for checking accounts only, not for wire trades. There are two for California; however, the one on the following list is effective throughout the state.

State Routing number
Alabama 062000080
Alaska 125200057
Arizona 122105278
Arkansas 111900659
California 121042882
Colorado 102000076
Connecticut 021101108
Delaware 031100869
Washington, D.C. 054001220
Florida 063107513
Georgia 061000227
Hawaii 121042882
Idaho 124103799
Illinois 071101307
Indiana 074900275
Iowa 073000228
Kansas 101089292
Kentucky 121042882
Louisiana 121042882
Maine 121042882
Maryland 055003201
Massachusetts 121042882
Michigan 091101455
Minnesota 091000019
Mississippi 062203751
Missouri 113105449
Montana 092905278
Nebraska 104000058
Nevada 321270742
New Hampshire 121042882
New Jersey 021200025
New Mexico 107002192
New York 026012881
North Carolina 053000219
North Dakota 091300010
Ohio 041215537
Oklahoma 121042882
Oregon 123006800
Pennsylvania 031000503
Rhode Island 121042882
South Carolina 053207766
South Dakota 091400046
Tennessee 064003768
Texas 111900659
Texas (El Paso) 112000066
Utah 124002971
Vermont 121042882
Virginia 051400549
Washington 125008547
West Virginia 121042882
Wisconsin 075911988
Wyoming 102301092

Make sure you keep your bank routing number to yourself. In addition, it’s a good idea to contact your bank if you notice any fraudulent transactions on your account.

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Note: The content in this article is for general informative purposes only. You should conduct your own research or ask for specialist advice before making any financial decisions. All information in this article is current as of the date of publication, and DNBC Financial Group reserves the right to modify, add, or remove any information. We don’t provide any express or implied representations, warranties, or guarantees regarding the accuracy, completeness, or currency of the content within this publication.