Routing number checker
Paste a 9-digit US routing number to check it before you send an ACH payment or wire transfer. It catches typos instantly and shows what each part of the number means.
What a routing number is
A routing number, also called an ABA routing transit number, is the 9-digit code that identifies a US bank or credit union in ACH payments, direct deposits, checks and wire transfers. You'll find it at the bottom left of a check or in your online banking.
How the check digit works
The ninth digit is a check digit. Multiply the digits by the repeating weights 3, 7 and 1, add the results, and the total must be a multiple of 10.
3(d1 + d4 + d7) + 7(d2 + d5 + d8) + (d3 + d6 + d9) ≡ 0 (mod 10)
This catches every single mistyped digit and most swapped pairs, which is why a failed check almost always means a typo.
What the first digits tell you
The first two digits show the Federal Reserve district and the type of institution. 01 to 12 are banks, with each number matching one of the twelve Fed districts (01 Boston, 02 New York, up to 12 San Francisco). 21 to 32 are thrift institutions such as credit unions, and 61 to 72 are used for electronic ACH routing.
ACH vs wire routing numbers
Some banks use a different routing number for wires than for ACH. If you're sending a wire, confirm the wire routing number with the recipient's bank.
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Common questions
Does a valid result mean the account exists?
No. The checker confirms the routing number's format and check digit. It can't confirm the account number or who owns the account.
Why does my routing number fail the check?
Usually because one digit is mistyped or two neighbouring digits are swapped. Copy it again from a check or the bank's website.
Is a routing number the same as a SWIFT code?
No. Routing numbers are used inside the US. International transfers to a US bank use a SWIFT/BIC code instead.