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A routing number is the nine-digit numerical code that indicates where a bank account is located.
Use your routing number with your bank account number to make transactions, such as setting up direct deposit or using an electronic payment service
Every branch of the same bank in a given location has the same routing number
Unlike the account number, the routing number doesn’t need to be kept secret
You can find your routing number online
A routing number, which is officially called the ABA routing transit number, is a nine-digit string of numbers that corresponds to a bank, credit union, or other financial institution. You use the routing number in conjunction with an account number to make an electronic payment or to write a check.
The routing number on a check can be found at the bottom of the check’s front side, next to the account number, and below the memo and signature lines. You can also find the routing number by logging into your bank account online and checking your bank statement. If you don’t have access to either, you can get your routing number by contacting the bank directly.
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You can use your bank account to make and receive payments. But to initiate a transaction using your bank (or credit union), you need two pieces of information: your account number and your ABA routing number.
Your bank account number should be kept confidential, except when used in a transaction. It has between eight and 12 digits, depending on your bank or credit union. Your savings account will have a different account number than your checking account, but both your checking and savings account should have the same routing number if you opened them in the same location.
Learn more about what you need to open a bank account.
Your routing number is public information. You can even find the routing number online by going to the American Bankers Association (ABA) website and using its search function, or simply Googling the name of your bank plus your state. Think of the routing number like a shared address for all the branches of a particular bank or credit union in your area.
The routing number indicates where an account at a bank is located. Every branch of a bank in the same location use the same routing number. For example, the routing number for all Chase banks in New York City is 021000021; if your bank account is with a Chase in Brooklyn, your checks will have the routing number 021000021. But if you opened your account at a Chase bank in Montana, your checks will say 044000037 for the routing number.
Even online banks have both routing and account numbers. If you’re opening a new savings account, you can find the best interest rates by using Policygenius’ partner Fiona, an Even Financial service for comparing savings accounts.
Your ABA routing number can be found on the bottom of any personal check issued by your bank. You can also log onto your bank’s website. The routing number may be listed on the page itself, or you may need to locate it on your bank statement. You can also call or email your financial institution to get that information.
The routing number on checks may be surrounded by other numbers, so it’s important to differentiate between them. In addition to the routing number, you may see some of the following:
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Policygenius' partner Fiona can help you compare current savings accounts and money market account offers.
The nine digits of your routing number need to be entered whenever you use your bank account for an electronic payment. The following types of transactions and transfers require both an account and routing number:
The routing number will identify your bank to the payment processing center — an automated clearing house (ACH) — and let it know that the account belongs to a specific institution in a specific area. (Learn more about ACH transfers.)
You may not always need your routing number whenever you cash or deposit your check at a branch location. That’s because you’re already present at the location, so as long as you have your debit card and PIN available, you should be able to access the account.
Having a savings account is half of the financial protection battle. Life insurance is the other half.
Policygenius can help you find a life insurance policy to protect your loved ones.
Policygenius’ editorial content is not written by a certified financial planner or advisor. It’s intended for informational purposes only and should not be considered legal, financial, or investment advice. Consult a professional to learn what financial products are right for you.
This post contains references to products or services from one or more of Policygenius' advertisers or partners. While these codes earn us a small fee at no additional cost to you, they do not influence editorial content and we only refer products we love.
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Yes, we have to include some legalese down here. Read it larger on our legal page. Policygenius Inc. (“Policygenius”) is a licensed independent insurance broker. Policygenius does not underwrite any insurance policy described on this website. The information provided on this site has been developed by Policygenius for general informational and educational purposes. We do our best efforts to ensure that this information is up-to-date and accurate. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application. Savings are estimated by comparing the highest and lowest price for a shopper in a given health class. For example: for a 30-year old non-smoker male in South Carolina with excellent health and a preferred plus health class, comparing quotes for a $500,000, 20-year term life policy, the price difference between the lowest and highest quotes is 60%. For that same shopper in New York, the price difference is 40%. Rates are subject to change and are valid as of 2/17/17.
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