What is a routing number?

A bank routing number, which is also known as an ABA routing transit number (ABA RTN), is a nine-digit code that is usually used to locate the financial institution where you opened a bank account. Banking institutions typically use routing numbers to transfer funds from one bank to another directly. In most cases, an RTN number is used for automated clearing house (ACH) transactions and wire transfers like tax payments, e-checks, direct deposit, electronic funds, direct payment of utility bills, and much more.

You will notice that some credit unions and banks may have several routing numbers that serve different branch offices, geographical regions, or purposes. However, always make sure to confirm the correct routing details before you make the funds transfer from one account to another.

If you want to make a payment by phone or online, you will often be requested to provide the routing number of the beneficiary account. There are several ways you can use to find your credit union or bank routing number. The easiest method is locating it in the checkbook since it is usually printed at the bottom of your check.

You can also view your exact account number as well as your ABA number by signing in to online banking account. If you are not sure which ABA number to use when transferring funds, you should contact your financial institution to avoid delays in the fund transfer process.

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