How Do I Find My Bank's Routing Number

Every bank account in the United States can be identified with an business relationship number and a routing number.

Now:

You may be quite familiar with your account number as it is easily seen in monthly statements and online/mobile accounts.

The routing number -- too called an ABA routing number -- is less commonly seen. Yet, it is extremely important in payments and fund transfers.

In fact:

A banking company tin can have more than than one routing number -- sometimes creating confusion for consumers who need this slice of data.

Learn what a routing number is and how you tin can find the correct routing number for your bank account.

What is a Routing Number?

A routing number is a 9-digit number used past U.S. financial institutions to identify the specific fiscal establishment tied to a bank transaction.

Routing numbers are essential to the right transfer of funds for transactions such as:

Paper checks
Direct deposits
Electronic fund transfers between financial accounts
Wire transfers

While your checking or savings account number is unique to your business relationship, your routing number may non be.

The main purpose of an account number is to identify ownership of the account within the bank's figurer systems. Two numbers associated with your bank accounts might seem like a lot to keep upward with. Withal routing numbers offer added protection because they ensure the accurateness of transactions.

Although it's plausible for different banks to utilize the same account numbers, different banks will have different routing numbers.

How to Find a Banking company'south Routing Number

Now that you know why you need your bank or credit spousal relationship's routing number, how practice you find it?

Locating this number is easier than you recall.

In fact, you probably expect at this number ofttimes, even if y'all don't realize it.

Your checks

The fastest manner:

Wait at the lesser of one of your personal checks.

On the bottom right of the check, you'll detect your business relationship number. The set of numbers directly in front of your account number to the lesser left is 9 nine-digit routing number.

Bank statements

If you don't have checks in your possession, yous can likewise notice your routing number on your bank argument. It'll exist the ix-digit number printed virtually your account number.

Contact the bank

If all else fails, telephone call your bank or visit a branch and ask for your routing number.

Most banks listing their routing number(s) on their website as well.

Routing Numbers of Major U.S. Banks

Banking company	Routing number(s) - ever ostend with depository financial institution
Bank of America	Find routing number by state
Chase	Find routing number by state
Wells Fargo	Find routing number by state
U.Southward. Bank	Find routing number by state
TD Banking concern	Find routing number past state
Capital letter One	Find routing number by state
Charles Schwab Bank	121202211
BB&T	Find routing number by state
SunTrust Banking concern	061000104
Marcus by Goldman Sachs	123085260
Fifth Third Bank	Find routing number by state
KeyBank	Detect routing number past land
Ally Bank	124003116
Regions Banking concern	Find routing number by land
Citizens Banking concern	Detect routing number by land
M&T Banking company	Find routing number by state
Union Bank	Observe routing number by state
BMO Harris Bank	071025661
Huntington Depository financial institution	Notice routing number by state
USAA Bank	314074269
Commencement Republic Bank	321081669
BBVA	Notice routing number by land
Bank of the West	121100782
American Express	124085066
Discover Depository financial institution	031100649
Synchrony Bank	021213591
Comerica Depository financial institution	Notice routing number by land
Santander Bank	Notice routing number by state

Reasons You lot Need to Know Your Banking concern'south Routing Number

Knowing your banking company'due south routing number, or at least knowing how to discover it, is important in different situations.

one. Setting upwards straight deposit

Some employers pay their employees with checks. Others offer direct deposit.

Straight deposit is beneficial considering you can admission your cash sooner than if yous'd received a cheque. There'due south no cost to gear up straight deposit, and it also eliminates a trip to the bank.

To receive direct deposit, you must complete a class at piece of work and state where you want your money to go.

Since account numbers aren't specific to a bank, it isn't enough to give your employer this number when setting upward your deposits.

To ensure your employer deposits your paycheck into the right account, you lot must also provide a routing number to place your personal bank.

2. Transferring coin betwixt banks

You also demand to provide your bank'due south routing number when transferring coin from i bank account to another. Routing numbers identify the financial establishment that receives the funds.

If yous open an online checking or savings account, you'll typically need to provide the routing number and account number of a linked offline banking concern. This allows you to move funds between these accounts.

three. Receive taxation refund deposit

Information technology tin have weeks to get a taxation refund by bank check.

For this reason, many people opt to have their tax refund automatically deposited into a banking company account.

Again, you must provide your routing number and your account number to ensure that the regime deposits your coin into the right account.

4. Pay your bills online

The power to pay bills online or set automatic payments can simplify personal finance management. The practiced news is that many lenders and creditors offering online payments.

Some creditors permit account holders to ready automated payments using a credit card or a bank debit bill of fare.

Or:

You lot tin can gear up ACH payments and have funds automatically drafted from your bank account. For the latter, you must provide your bank routing number and account number.

five. Wire transfers

If you need to transport money somewhere fast, a wire transfer can securely send cash from one banking concern business relationship to another. This is often quicker than an ACH transfer.

To motion funds between depository financial institution accounts, you must provide your routing number and account number, likewise every bit the routing number and account number of the recipient.

Are Routing Numbers the Aforementioned as a SWIFT code?

A routing number and a SWIFT code are non the aforementioned, although they serve a similar purpose.

Routing numbers are used by banks, credit unions, and other financial institutions within the United States to transfer funds domestically.

On the other hand:

SWIFT codes are usually eight to 11 alphanumeric identifiers that facilitate international wire transfers.

If you send funds across international borders, you lot'll demand a financial institution's SWIFT code to complete the transaction.

Tin can Bank Routing Numbers Change?

It's also important to note that routing numbers can vary within a bank.

Every bank has at least one routing number, just some banks will have multiple routing numbers.

Routing numbers tin as well vary by state.

For example, the routing number of a Wells Fargo account in Virginia might differ from the routing number of a Wells Fargo in Florida.

Even dissimilar types of transactions within a banking concern can have dissimilar routing numbers.

And then when in doubt, give your bank a call to confirm yous're using the right number for directly deposits, ACH payments, wire transfers, etc.

Be mindful:

Banking concern and credit marriage routing numbers tin can also change from time to time. This tin happen when a financial institution merges with another, modifies the purpose of a routing number, or creates new routing numbers for dissimilar types of transactions.

If you've memorized your routing number in the by, confirm that it hasn't changed before giving it out. If not, you could utilize the wrong routing number and deposit funds into the wrong depository financial institution account.

Final Discussion

Routing numbers are necessary when transferring money from 1 depository financial institution business relationship to another.

Even if you've never used your routing number, you might need to in the hereafter.

Once you've establish the routing number(south) for your bank account(south), you should keep it somewhere attainable in case you need this information in the future.

Source: https://www.mybanktracker.com/checking/faq/find-routing-number-299350

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