What is a routing number and how do you find yours?
Quick answer: a routing number, also called an ABA routing transit number, is a 9-digit code that identifies a US bank or credit union. You need it to set up direct deposit, automatic bill payments, ACH transfers and wire transfers. It is printed at the bottom left of your checks, and you can find it in your bank’s app, on its website or on a bank statement.
Where to find your routing number
- On a check. It is the first 9-digit group at the bottom left, between the ⑆ symbols. The next number is your account number, then the check number.
- In online or mobile banking. Look under account details or “direct deposit information”.
- On your bank statement, often near the account summary.
- On the bank’s website. Large banks publish tables of routing numbers, often by state, because a bank that has merged with others may use several.
- By calling the bank. Use the number on the back of your card.
Always get your routing number from the bank itself rather than a third-party list, and check it matches the state where you opened the account.
What the 9 digits mean
| Digits | Meaning |
|---|---|
| 1-4 | Federal Reserve routing symbol. The first two digits usually show the Federal Reserve district (01 Boston through 12 San Francisco). |
| 5-8 | Identifies the specific bank |
| 9 | Check digit, used to catch typing errors |
The check digit works like this: multiply the digits by 3, 7, 1, 3, 7, 1, 3, 7, 1 in turn and add the results. A valid routing number gives a total that divides evenly by 10.
ACH vs wire routing numbers
Many banks use the same routing number for everything, but some use a different number for wire transfers. If you are receiving a wire, ask your bank for its wire instructions rather than reusing the number from your checks. The difference between the two payment types is explained in ACH vs wire transfer.
Routing number vs account number vs SWIFT code
- The routing number identifies the bank.
- The account number identifies your account at that bank. See routing number vs account number.
- A SWIFT/BIC code identifies a bank for international transfers. US banks do not use IBANs. See what is a SWIFT code.
Is it safe to share your routing number?
Your routing number is public, because it is printed on every check you write. Your account number is more sensitive. Share both only with people and companies you trust, such as an employer setting up direct deposit, and never in reply to an unexpected email or text.
Find a bank near you
Our US banks directory lists FDIC-insured banks with branch counts by state and city, and each bank’s headquarters and website, where you can confirm its routing numbers.
Frequently asked questions
Is the routing number the same for all branches? Usually for the same state, but some large banks use different routing numbers by state or region.
Can two banks have the same routing number? No. Each routing number belongs to one institution, although one institution can have several.
Do credit unions have routing numbers? Yes, they use the same 9-digit ABA format.