What Is A Routing Number

What Is A Routing Number

Click on on the link within the article to see the complete article about check bank routing numbers, and an alphabetically listed listing of American Bank routing numbers..

All bank routing numbers are for American banks, financial institutions and credit unions.

These include the addresses, phone numbers and routing numbers for Wells Fargo, Chase, Residents Bank, Citibank, Capital One, Comerica, BBVA Compass, Charles Schwab and Commerce Bank and lots of others.

Please note that a bank or financial establishment can have more than one routing number. The routing numbers listed are the FedACH numbers, used for digital transfers. For most banks, this is similar number because the ABA Routing number on a check number found on checks, but not always.

We suggest also looking for \'routing number\' in your banks\' homepage. This page is up to date yearly. A bank routing number will usually not change. One reason it might change, nevertheless, could be within the case of a bank merger. For daily up to date routing number lists, please refer to the lookup services listed below \'Different Assets\'.

The way to discover the routing number and account number on a check.

To be able to send and receive cash from different financial institutions, banks and credit unions want a routing number.
What\'s a routing number?

It’s a 9-digit number assigned to a bank or credit union so it can ship and receive funds from other monetary institutions. The routing number determines where your account was opened.

It\'s also often called an ABA (American Bankers Association) number, and as a routing transit number.

Quite than reading a check to seek out out your bank’s name and potentially confusing it with a bank of a similar name, routing numbers assist bank workers and the machines that now process checks to know exactly where cash is meant to go. That method, checks meant for Bank of America and American Bank by no means go to the improper place by mistake.

One bank may have many routing numbers, depending on issues like the location of the account or the task it’s getting used for, but no 2 banks will ever have the identical routing number.

Routing numbers are used for plenty of on a regular basis duties:

Direct deposit.
Automatic bill payments.
Check processing.
Wire transfers.

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Where to find a routing number

The routing number is part of the magazinenetic ink character recognition, or MICR, line on the backside of your check, which additionally contains your account number. For those who’re trying to find out your bank’s routing number, that’s a very good place to start.

Sample of a personal check

Alternatively, your bank’s website could submit its routing numbers online. That’s because, unlike your checking account or financial savings account number, it’s not something you really need to hold secret, says C. Diane Poole, senior vice president, member & technical companies at the ABA.

\"Most banks will submit their routing numbers on their websites, because when folks want to wire them cash, they need that data,\" Poole says. \"It turns into more delicate when you have a routing number and an account number, because then you may even have access to somebody’s individual account.\"

You’ll also need to make sure you have the appropriate routing number for what you’re making an attempt to do. For example, the routing number on your checks could differ from the number you would use for doing a wire transfer.
The place did routing numbers come from?

Routing numbers have been initially created by the ABA in 1910 as a technique to make check processing simpler and more secure, Poole says.

\"They needed a strategy to uniquely determine the paying bank — in other words, the bank that was going to be liable for really honoring the check — so this was type of the primary time that an identification number was used,\" Poole says. \"This was back when there weren’t any computers.\"
Routing numbers have been created by the American Bankers Affiliation in 1910 as a technique to uniquely determine the paying bank.

The routing number helped an individual taking a check make certain they would truly get the money the check promised from the payer’s bank.

After the Federal Reserve was founded and took on a big function within the processing of funds, a Federal Reserve number was added to every bank’s routing number. That \"Federal Reserve routing symbol,\" because it’s formally recognized now, specifies the kind of establishment and the Federal Reserve district during which the account was opened.
Check processing turns into nearly instantaneous

The numbers would go on to be used in digital check-cashing networks beginning within the 1960s, which significantly sped up check processing. The passage of the Check 21 Act, and the ability of banks to make electronic copies of checks for transportation, relatively than sending paper copies, has made processing virtually instantaneous.

Actually, routing numbers are part of the reason that the \"check float\" — writing a check you don’t have the money to cowl in hopes that a deposit will come via to cowl it before it is processed — doesn’t really work anymore, Poole says.

\"Once you write a check, there’s a chance the money’s already been debited before the ink dries on the check if it’s been remotely captured,\" Poole says. \"People just want to know that payments move at lightning speed.\"

In different words, don’t write checks that your bank can’t money instantaneously.

Prime 150 Largest US Banks.

Click on on the link within the article to see the entire checklist of bank routing numbers for America\'s Prime a hundred and fifty banks.

Following are the one hundred fifty U.S. financial institutions with probably the most deposits as of 31 Dec 2008 (in billions of U.S. dollars). For up to date info, go to www.fdic.gov. Notice: Click on on the bank or credit union\'s name to go directly to their website.

Rank Name Headquarters Deposits (billions)
1 JP Morgan Chase & Co. New York, NY $1,009
2 Bank of America Charlotte, NC $884
3 Wells Fargo San Francisco, CA $785
4 Citigroup New York, NY $774
5 PNC Financial Companies Group Pittsburgh, PA $193
6 HSBC Holdings London $161
7 Bank of New York Mellon New York, NY $a hundred and sixty
eight U.S. Bancorp Minneapolis, MN $159
9 SunTrust Bank Atlanta, GA $113
10 State Street Corp. Boston, MA $112
eleven Capital One Financial McClean, VA $109
12 BB&T Corporation Winston-Salem, NC $98.7
thirteen Toronto-Dominion Bank Toronto, ON $95.6
14 Royal Bank of Scotland Edinburgh $94.8
15 Regions Financial Birmingham, AL $90.9
16 Fifth Third Bancorp Cincinnati, OH $78.9
17 ING Group Wilmington, DE $71.8
18 KeyCorp Cleveland, OH $65.3
19 Northern Trust Chicago, IL $62.four
20 Bank of Montreal Toronto, ON $53.7
21 BNP Paribas (Bank of the West) Paris $46.6
22 Mitsubishi UFJ Financial Group (Union Bank) Tokyo $46.1
23 Allied Irish Banks Dublin $42.6
24 Comerica Dallas, TX $42.2
25 Zions Bancorp Salt Lake City, UT $41.three
26 Marshall & Ilsley Milwaukee, WI $41.1
27 Banco Bilbao Vizcaya Argentaria S.A. Bilbao, Spain $38.eight
28 Huntington Bancshares Columbus, OH $38.0
29 E-Trade Monetary New York $29.9
30 Synovus Financial Corp. Columbus, GA $28.6
31 Standard Inc. San Juan, PR $27.6
32 Navy Federal Credit Union Vienna, VA $24.7
33 Charles Schwab Corp. San Francisco, CA $23.9
34 Royal Bank of Canada (Centura) Toronto, ON $21.1
35 Colonial BancGroup Inc. Montgomery, AL $18.7
36 Hudson City Bancorp Paramus, NJ $18.7
37 Deutsche Bank Frankfurt $17.1
38 People’s United Monetary Inc. Bridgeport, CT $15.6
39 State Staff Credit Union Raleigh, NC $15.three
40 Associated Banc-Corp Green Bay, WI $15.2
forty one BOK Monetary Corp. Tulsa, OK $15.zero
42 New York Community Bancorp Inc. Westbury, NY $14.6
43 First Horizon National Bancorp Memphis, TN $14.2
44 First Citizens Bancshares Raleigh, NC $13.7
45 Astoria Financial Corp. Lake Success, NY $13.7
46 First Bancorp San Juan, PR $13.1
47 Commerce Bancshares Kansas Metropolis, MO $12.9
forty eight Metropolis National Bank Beverly Hills, CA $12.7
49 Webster Financial Corp Waterbury, CT $11.9
50 FBOP Corp Oak Park, IL $11.eight
51 Cullen/Frost Bankers Inc. San Antonio, TX $11.6
52 Guaranty Monetary Group Inc. Austin, TX $11.6
fifty three AmTrust Monetary Corp. Cleveland, OH $11.4
54 New York Private Bank & Trust Corp New York, NY $11.three
55 W Holding Co. Inc. Mayaguez, PR $10.9
fifty six Fulton Financial Corp. Lancaster, PA $10.6
57 Pentagon Federal Credit Union Alexandria, VA $10.5
fifty eight TCF Financial Wayzata, MN $10.three
fifty nine Lehman Brothers Holdings Inc. New York $10.2
60 Bancorpsouth, Inc. Tupelo, MS $9.sixty three
61 Valley National Bank Wayne, NJ $9.52
sixty two South Financial Group Greenville, SC $9.forty five
63 Whitney Holding Corp. New Orleans, LA $9.27
sixty four Susquehanna Bancshares Inc. Lititz, PA $9.07
65 Citizens Republic Bancorp Inc. Flint, MI $9.06
sixty six UCBH Holdings, Inc. San Francisco, CA $8.ninety seven
sixty seven Raymond James Monetary Inc. St. Petersburg, FL $8.seventy nine
sixty eight First Banks Inc. Clayton, MO $8.seventy four
sixty nine Wilmington Belief Wilmington, DE $8.sixty six
70 BankUnited Monetary Corp. Coral Gables, FL $8.61
seventy one Third Federal S&L Cleveland, OH $8.forty eight
seventy two Wintrust Financial Corp Lake Forest, IL $8.38
73 Sterling Financial Corp. Spokane, WA $8.37
seventy four Bank of Hawaii Honolulu, HI $8.29
seventy five Arvest Bank Group Bentonville, AR $8.23
76 East West Bancorp Inc. Pasadena, CA $8.15
seventy seven FirstBank Holding Co. Lakewood, CO $8.eleven
78 PrivateBancorp Chicago, IL $8.00
79 Flagstar Bancorp Inc. Troy, MI $7.ninety one
eighty Boeing Staff Credit Union Tukwila, WA $7.88
81 UMB Monetary Corp. Kansas Metropolis, MO $7.73
82 Midland Financial Oklahoma Metropolis, OK $7.sixty four
83 Firstmerit Corp. Akron, OH $7.60
eighty four Corus Bancshares, Inc. Chicago, IL $7.59
eighty five SVB Financial Group Santa Clara, CA $7.53
86 Prosperity Bancshares Inc. Houston, TX $7.33
87 Washington Federal, Inc. Seattle, WA $7.29
88 United Community Banks, Inc. Blairsville, GA $7.00
89 MetLife Inc. New York, NY $6.88
90 Worldwide Bankshares Corp Laredo, TX $6.86
91 Cathay General Bancorp El Monte, CA $6.eighty four
ninety two Trustmark Corp. Jackson, MS $6.eighty two
ninety three Central Bancompany Jefferson City, MO $6.79
94 Umpqua Holdings Corp. Portland, OR $6.60
ninety five Pacific Capital Bancorp Santa Barbara, CA $6.59
96 SchoolsFirst Federal Credit Union Santa Ana, CA $6.fifty five
97 MB Financial, Inc. Chicago, IL $6.50
98 National Penn Bancshares Inc. Boyertown, PA $6.39
ninety nine Cam-Discount Ltd. Grand Cayman $6.21
a hundred Apple Financial Holdings Inc. New York, NY $6.09
one hundred and one F.N.B. Corp Hermitage, PA $6.05
102 First Niagara Monetary Lockport, NY $6.05
103 Golden 1 Credit Union Sacramento, CA $6.00
104 Hancock Holding Company Gulfport, MS $5.ninety three
one zero five First Citizens Bancorp, Inc. Columbia, SC $5.80
106 United Bancshares, Inc. Charleston, WV $5.65
107 First Midwest Bancorp, Inc. Itasca, IL $5.59
108 Old National Bancorp Evansville, IN $5.forty two
109 Otto Bremer Basis St. Paul, MN $5.forty
110 First Interstate Bank Billings, MT $5.17
111 Northwest Bancorp MHC Warren, PA $5.12
112 Jap Bank Corp. Boston, MA $5.10
113 Suncoast Schools Federal Credit Union Tampa, FL $5.05
114 Banco Santander Santander, Spain $5.02
a hundred and fifteen EverBank Monetary Corp. Jacksonville, FL $5.02
116 Dickinson Monetary Corp. Kansas Metropolis, MO $4.ninety eight
117 Boston Private Monetary Holdings, Inc. Boston, MA $4.ninety two
118 FirstFed Financial Corp. Los Angeles, CA $4.91
119 Bank Leumi Ie-Israel, BM Tel-Aviv, Israel $4.82
one hundred twenty American Airlines Federal Credit Union Fort Worth, TX $4.81
121 Rabobank Nederland Utrecht $4.79
122 Park National Corp. Newark, OH $4.76
123 Provident Bancshares Baltimore, MD $4.seventy five
124 Alliant Credit Union Chicago, IL $4.67
one hundred twenty five Capitol Bancorp Ltd. Lansing, MI $4.50
126 NewAlliance Bancshares Inc New Haven, CT $4.47
127 Johnson Financial Group Racine, WI $4.43
128 R&G Monetary Corp. Hato Rey, PR $4.43
129 Doral Financial Corp San Juan, Puerto Rico $4.forty
a hundred thirty Mercantil Servicios Financieros Caracas $4.36
131 First Commonwealth Financial Company Indiana, PA $4.28
132 Pinnacle Bancorp Inc. Central City, NE $4.27
133 Traders Bancorp MHC Short Hills, NJ $4.26
134 Provident Monetary Services Inc. Jersey Metropolis, NJ $4.25
one hundred thirty five Ocean Bankshares, Inc. Miami, FL $4.17
136 Security Service Federal Credit Union San Antonio, TX $4.07
137 Capitol Federal Financial savings Bank MHC Topeka, KS $4.01
138 Iberiabank Corp. Lafayette, LA $4.00
139 SNBNY Holdings Gibraltar $3.ninety nine
one hundred forty San Diego County Credit Union San Diego, CA $3.97
141 America First Federal Credit Union Riverdale, UT $3.97
142 Harleysville National Corp. Harleysville, PA $3.ninety four
143 BFC Monetary Corp Fort Lauderdale, FL $3.93
144 Amcore Financial Inc. Rockford, IL $3.ninety three
a hundred forty five NBT Bancorp Inc. Norwich, NY $3.ninety two
146 Central Pacific Financial Corp. Honolulu, HI $3.ninety one
147 Sterling Bancshares Houston, TX $3.82
148 Banner Corp. Walla Walla, WA $3.78
149 First Merchants Corp Muncie, IN $3.72
a hundred and fifty Neighborhood Bank System De Witt, NY $3.70