What is a routing number?
A routing number, also called an ABA number or routing transit number, is a nine-digit code that identifies a financial institution in the United States. Banks use it to direct money to and from the right account when you send a payment, set up a direct deposit, or pay a bill.
You'll find it on the bottom-left of a paper check, in your online banking, and on your bank's website. Larger banks often use different routing numbers depending on the state where you opened your account.
How to find your routing number
There are three reliable ways to find the right routing number for your account.
The nine-digit number in the bottom-left corner of a paper check is your routing number. The middle group is your account number.
Sign in to your bank's app or website. Routing numbers are usually shown under account details or account information.
Your bank's official site and your monthly statement list the routing number for your account's region. Or search the directory below.
ACH vs wire routing numbers
Most banks use one routing number for ACH transfers and a different one for wire transfers. Use the right one for the type of payment you're making.
Routing number directory
ACH and domestic wire routing numbers for major US banks. Large banks issue different numbers by region, so always confirm against your statement or bank.
Routing numbers shown are common values for each institution and can vary by the state where your account was opened. Verify with your bank before sending money.
Frequently asked questions
Is the routing number the same as my account number?
No. The routing number identifies your bank (nine digits), while your account number identifies your specific account at that bank. You usually need both to send or receive money.
Why does my bank have more than one routing number?
Large banks issue different routing numbers depending on the state where you opened your account, and they often use a separate number for wire transfers versus ACH transfers. Always use the one that matches your account region and transfer type.
What's the difference between ABA, routing and transit numbers?
They all refer to the same nine-digit code. "ABA number" references the American Bankers Association that created the system, and "routing transit number" is its full formal name.
Can I pay a US bill with a credit card using a routing number?
Yes. With PayRewards you enter the biller's routing and account number and pay by card. The biller receives a normal bank transfer, and you earn points on the spend.
Are these routing numbers guaranteed to be correct?
We list commonly published values for each bank, but routing numbers can vary by region and change over time. Always confirm the number with your bank or your statement before sending money.
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