The question is what is Bank Routing Number? A routing number is a nine-digit code that is used in identifying a financial institution in the United States. The essence of this routing number is that banks make use of these numbers to direct the exchange of funds among one another. The point is, where can I find the routing number? Often times, you will find the routing number on the bottom left corner of most personal checks.
How can I find a Bank Routing Number?
Originally Routing numbers were created by the American Bankers Association (ABA) in order to make the circulation of paper checks more efficient on a large scale. It is commonly known as ABA (American Bankers Association) or American Clearing House (ACH) routing numbers. This can actually be found on personal checks, bank websites or on the ABA’s online database.
Since the context is talking about where you find the routing number, we will show you in the below in detail how you can identify the routing number on the checkbook. Most time if you don’t look closely you won’t notice that the routing number also appears together with the account number and check number on that the checkbook.
This is a typical example of how a check looks like. The first set digits at the bottom of the check are the routing number, the second is the account number, and the third is the check number.
Routing Number: the routing number consists of nine digits imprinted at the left bottom of the check. To describe in detail, it comprises digits that are print in a font format known as magnetic ink character recognition (MICR). The essence of this is to allow a banking institution to easily process checks.
Account Number: the account is the one at the bottom middle of personal check which directly opposite to the routing numbers. This identifies you as an account holder of a bank.
Check Number: this is to help keep a record of all payment transactions. Each of your personal checks contains a unique check number.
How to Find a Routing Number without a Check
Don’t panic if you don’t have a checkbook. You can still find your routing number by checking your bank’s website or try calling your local branch. The routing number is quite different with respect to banks and regions. However, a bank can have more than one routing number, so make sure that your routing number corresponds to the specific bank where you opened your account.
We will list out some set major national institutes with the links to their respective routing numbers.
- Bank of American, N.A – https://www.bankofamerica.com/deposits/routing-number-faqs/
- BB&T – https://www.bbt.com/banking/routing-numbers.page
- Capital One –- https://www.capitalone.com/support-center
- Citigroup Inc. –
- Fifth Third – https://www.53.com/content/fifth-third/en/personal-banking/about/affiliate-routing-numbers.html
- HSBC – https://online.citi.com/US/JSO/portal/smartSearch.do
- Chase Ban – https://www.chase.com/personal/checking/routing-numbers
- First Republic – https://www.firstrepublic.com/frequently-asked-questions
Difference between ABA and ACH Routing Number
It is just two different words that differentiate both “Electronic and paper check” payment. The ABA routing numbers apply to paper checks while ACH routing numbers apply to electronic transfers and withdrawals. Currently, most banks make use of both. Most of the above-listed lending institute makes use of both ABA and ACH.
ABA routing numbers are also known as “check routing number,” and while ACH routing number is referred to as “electronic routing number” or “number for electronic transfers”.