Please review its terms, privacy and security policies to see how they apply to you. Skip to main content Please update your browser. Please update your browser. Close this message. Credit Cards. Checking Accounts. Savings Accounts. Home Equity. The routing number sometimes referred to as an ABA routing number, in regard to the American Bankers Association is a sequence of nine digits used by banks to identify specific financial institutions within the United States.
This number proves that the bank is a federal- or state-chartered institution and that it maintains an account with the Federal Reserve.
Small banks generally possess just one routing number, while large multinational banks can have several different ones, usually based on the state in which you hold the account. Routing numbers are most commonly required when reordering checks, for payment of consumer bills, to establish a direct deposit such as a paycheck , or for tax payments. The routing numbers used for domestic and international wire transfers are not the same as those listed on your checks.
However, they can easily be obtained online or by contacting your bank. The account number works in conjunction with the routing number. While the routing number identifies the name of the financial institution , the account number—usually between eight and 12 digits—identifies your individual account.
If you hold two accounts at the same bank, the routing numbers will, in most cases, be the same, but your account numbers will be different. Your account number is required for every conceivable banking transaction , whether within the bank where the account is held or between banking institutions.
Anyone can locate a bank's routing number, but your account number is unique to you, so it is important to guard it, just as you would your Social Security number or PIN code. You should be able to find both your routing number and account number by logging into your online banking account. You can also find them on your checks.
At the bottom of each check, you will see three groups of numbers: routing numbers again, typically nine digits appear as the first group, the account number generally comes second, and the third is the actual check number.
Sometimes, however, such as on official bank checks, those numbers can appear in a different sequence. If you are ever unsure about which number is which, you can contact your banking institution and always remember to double-check both numbers whenever you provide them to another party. This will ensure a seamless transaction that avoids delays or any associated bank charges stemming from the funds ending up in an incorrect account. American Bankers Association.
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