Search ABA Number – Routing Number Lookup

A bank routing number is a nine-digit identification code banks use to identify a financial institution in a transaction. Bank routing numbers, or Routing Transit Numbers (RTN), are most often used during ACH, Fedwire, and checking account transfers. When you use our routing number lookup database, finding the RTN for your institution becomes relatively easy.

Below, you can search for bank routing numbers by their institute name, state name, or routing number itself using the lookup form.

Why do We Have Routing Numbers?

The American Bankers Association (ABA) created routing numbers to scale the growing circulation of paper checks efficiently. They are also referred to as ACH (Automated Clearing House) routing numbers, and are listed on personal checks, Federal Reserve’s online database, or bank websites.

Credit unions and banks may have multiple routing numbers, which they use for different purposes, such as identifying a geographical region or branch.

Some financial institutions will also use different routing numbers to indicate a paper or electronic transaction. A routing number may also be kept from the old accounts of a bank merger.

It’s theoretically possible for financial institutions to apply for up to five different routing numbers. However, this number will change according to policy.

It’s for the above reasons that you must check the routing number when conducting any money transfers. A simple mistake can send your money to the wrong institution and cause delays in your payment.

Also, because a bank can have multiple routing numbers, be sure to check that your routing number corresponds to the bank where you opened your account.

Differences Between ABA and ACH Routing Numbers

Routing numbers apply specifically to paper checks, while ACH routing numbers are used for electronic deposits and withdrawals. However, it’s common for the major banks to use the same number for both. The exception is that regional institutions will often use separate ABA and ACH routing numbers.

You may see routing numbers referred to as “check routing numbers,” while the ACH routing number is called the “electronic routing number.” When only one number is used, the most common reason is that the ABA and ACH routing numbers are the same. However, it never hurts to check in with the bank to make sure.

ACH and Wire Transfers

An ACH transfer is an automatic electronic transfer between financial institutions conducted by a third-party clearinghouse, while wire transfers occur directly between the institutions.

A wire transfer is much faster than an ACH transfer as they finalize within hours or minutes, rather than days – because a third-party is not required. Wire transfers are also more secure because the transaction will not clear until both banks have verified it.

How to Find / Lookup a Routing Number?

Even when no bank name is provided, the Federal reserve system will process a transaction if a routing number is provided, and this is another reason why it’s vital to protect your account numbers and keep them private.

A routing number is a 9-digit number found on the bottom left corner of a check. If you don’t have a check, you can use the buttons below to lookup routing numbers by institution names. Navigate to the list below to explore the routing numbers by state names.

Find routing numbers by states starting with the letters below