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aba routing number

Routing number details. Routing numbers (also known as ABA or routing transit numbers) are codes used to identify your bank in a transaction. Where is the Routing Transit/ABA Routing Number On My Checks?Kings Federal Credit Union's ABA Routing/Transit Number is: 321172824Kings Federal Credit. The ABA/Routing number is nine digits long and it's always the left-most. In some cases, the order of the checking account number and the check serial number is.
aba routing number

Aba routing number -

Bank Routing Numbers

An Overview of ABA Routing Transit Numbers

A bank routing number, also known as a Routing Transit Number (RTN) or an ABA Routing Number, is a unique nine-digit number that is assigned to each banking or financial institution. The numbering system was originally designed by the American Bankers Association (ABA) in 1910 to facilitate the processing of paper checks.

Since that time, the ABA began partnering with registrars to manage the system. Today, the code is used by Automated Clearing Houses (ACH) to process direct deposits, bill payments, and other automated transfers. The ABA routing number is usually found at the bottom of a personal or business check.

Who Assigns Routing Numbers?

Accuity, a SourceMedia company, is the registrar that is responsible for assigning new ABA numbers. They publish the list of ABA routing numbers in the American Bankers Association Key to Routing Numbers semi-annual publication. Currently, there are approximately 30,000 numbers currently in use.

How to decode the First Two Digits

The first two digits of the nine-digit ABA Routing Number correspond to the 12 Federal Reserve Banks. The first two digits must be in the ranges 00 through 12, 21 through 32, 61 through 72, or 80.

01 through 12 are the “normal” routing numbers and correlate to the Federal Reserve Banks as follows:

  • 01 = Boston
  • 02 = New York
  • 03 = Philadelphia
  • 04 = Cleveland
  • 05 = Richmond
  • 06 = Atlanta
  • 07 = Chicago
  • 08 = St. Louis
  • 09 = Minneapolis
  • 10 = Kansas City
  • 11 = Dallas
  • 12 = San Francisco

The numbers 21 through 32 were assigned only to thrift institutions through the year 1985, but now the numbers may be used by any bank, although they are primarily used by credit unions. For example, this range of numbers correlates to the Federal Reserve Banks as follows:

  • 21 = Boston, Massachusetts
  • 22 = New York, New York
  • 23 = Philadelphia, Pennsylvania
  • 24 = Cleveland, Ohio
  • 25 = Richmond, Virginia
  • 26 = Atlanta, Georgia
  • 27 = Chicago, Illinois
  • 28 = St. Louis, Missouri
  • 29 = Minneapolis, Minnesota
  • 30 = Kansas City, Missouri
  • 31 = Dallas, Texas
  • 32 = San Francisco, California

The numbers 61 through 72 are used for electronic transactions by non-bank processors. The numbers correlate as follows:

  • 61 = Boston
  • 62 = New York
  • 63 = Philadelphia
  • 64 = Cleveland
  • 65 = Richmond
  • 66 = Atlanta
  • 67 = Chicago
  • 68 = St. Louis
  • 69 = Minneapolis
  • 70 = Kansas City
  • 71 = Dallas
  • 72 = San Francisco

The number 80 is for traveler’s checks.

How to decode the Third and Fourth digits

The third digit corresponds to the Federal Reserve check processing center that is assigned to the bank. The fourth digit is 0 if the bank is located in the Federal Reserve city. If not, it is 1–9 depending on which state in the Federal Reserve district it is in.

How to decode the Fifth through the Eighth digits

Next, the fifth through eighth digits are the ABA Institution Identifier. The institution identifier represents the bank’s unique ABA identity within the Federal Reserve district.

How to decode the Ninth digit

The ninth check digit is a checksum test that uses a position-weighted sum of each of the digits. Check sorting equipment verifies the checksum. If the checksum fails, the item routes to something known as a “reject pocket”. The reject pocket is where someone manually examines the check. Then, they make repairs and resubmit for sorting.

What do private investigators need to know?

Private detectives who conduct financial investigations, perform forensic accounting, and run asset searches should have a clear understanding of these numbers to facilitate decoding financial transactions, tracing payments, and finding assets.

Questions and Comments

If you have any questions about the ABA bank routing number, please leave a message below. Also, here are some resources for more information:

  • ABA Routing Numbers– The official ABA site provides detailed information on the background and development of the numbering system, how to obtain an official number, and much more. Run a routing number search. Companies who need access to the entire Routing Number database or who may be applying for a routing number should contact Accuity, the Official Registrar.
  • Financial Products and Services – An overview of various financial products and services.

Michael Kissiah, eInvestigator.com

https://www.einvestigator.com

Michael Kissiah is the owner of Brandy Lane Publishing, LLC, which owns and operates a small portfolio of websites, including eInvestigator.com. Michael created eInvestigator.com more than 20 years ago after working as a private investigator in the state of Florida. Since that time, he has become an expert at how to find information online and has written over 1000 articles on topics related to the investigation industry. In addition, he is the author of the "Private Investigator Licensing Handbook", available at Amazon.com.

Источник: https://www.einvestigator.com/aba-routing-numbers/

ABA vs ACH routing numbers

Most people are familiar with routing numbers. They identify specific financial institutions in the U.S. and are needed when you’re dealing with funds transfers like direct deposits. Did you know there are different types of routing numbers, namely ABA and ACH? Let’s take a look at the two and their unique roles.

ABA routing numbers

ABA routing numbers are associated with the American Bankers Association and help accurately transfer funds from one account to another. They are standardized and consist of nine digits, typically starting with two digits between 00 and 12.

ABA routing numbers encompass all routing numbers, including ACH numbers and domestic wire transfer numbers. So when people use the term routing number, they’re typically referring to an ABA routing number.

Generally, smaller banks are assigned a single routing number, while large, multinational banks may have several. In the latter case, each routing number typically designates a different state. For example, the routing number for Chase in Texas is 111000614, and in Arizona, it’s 122100024.

You typically need a routing number when paying bills, reordering checks, or setting up a direct deposit with your employer (for your paycheck) or the IRS (for a tax refund). Note that routing numbers for domestic or international wire transfers may differ.

Just so you know

Collect ACH payments online with Jotform and Stripe! Add Stripe ACH to your payment form to get paid instantly online.

ACH routing numbers

Automatic Clearing House (ACH) routing numbers are unique to banks and their branches; they identify the clearinghouse. ACH routing numbers are often used specifically for electronic transfers of usually small payments that may be made one time or on a recurring basis. These transfers come in different types and include a number of codes.

Your bank may or may not have a separate ACH routing number. If it does, like the ABA variety, ACH routing numbers are standardized. They are exactly nine digits long, and the first two digits often range from 61 to 72.

Quick comparison

ABA and ACH numbers are essentially used for the same thing — transfering funds to their appropriate destination. Here’s a quick rundown of their distinctions:

  • ABA routing numbers encompass all routing numbers, including ACH. That means all ACH routing numbers are technically ABA routing numbers, though your bank may have a special ACH routing number for electronic transfers.
  • Not all ABA routing numbers are ACH routing numbers, but some are. Think about it like squares and rectangles. All squares are rectangles, but not all rectangles are squares because squares have specific criteria.
  • ABA and ACH routing numbers have the same format, but they can be different numbers. Verify with your bank before using one of the numbers to move money.
This article is originally published on May 21, 2020, and updated on Dec 01, 2021.
Источник: https://www.jotform.com/blog/aba-vs-ach-routing-number/

How to Find an ABA Routing Number

By Matt McGew

The PayPal form needs a 5-digit bank transit number.

The American Bankers Association routing number is a nine-digit numerical code used to identify a bank. Banks use ABA routing numbers to process checks and electronic transfers of funds between banks. Both personal and business accounts use ABA routing numbers. You can find your ABA routing number by looking at your business's checks, calling your bank or using an online tool. You need to know your bank's routing number to receive wire transfers to your business account or to make electronic payments using your business bank account.

Look at your business's checks. At the bottom of the check you see a long string of numbers. The nine-digit number located at the bottom left corner, separated by colons, is your bank's ABA routing number.

Call your bank's customer service number associated with your business account. Ask the customer service representative for the bank's ABA routing number.

Use an online ABA routing number search tool. Examples of online ABA routing number search sites include routingnumbers.org, checkcomposer.com and swiftcodesinfo.com. Enter your bank's name in the search box and click the "Search" button or hit "Enter" to display the ABA routing number for your bank. Large banks may have multiple routing numbers displayed. Find the routing number associated with the location of your bank where you opened your account.

References

Resources

Writer Bio

Since 1992 Matt McGew has provided content for on and offline businesses and publications. Previous work has appeared in the "Los Angeles Times," Travelocity and "GQ Magazine." McGew specializes in search engine optimization and has a Master of Arts in journalism from New York University.

Источник: https://smallbusiness.chron.com/aba-routing-number-12195.html

Routing Number

Credit Union West Routing Number and Other Top FAQs

Routing Number: 322172153

What is an ABA Routing Number?

An ABA Routing Number is a unique, nine-digit number marking the geographic location of your institution. All banks and credit unions in the United States have at least one routing number. At Credit Union West we have just one routing transit number for all account types.

Tip! An ABA Routing Number is often referred to simply as a "Routing Number," an "ABA Number," or an "Routing Transit Number (RTN)." These terms can all be used interchangeably. 

What is Credit Union West’s Routing Number used for?

Credit Union West's routing number tells the processing institution where your account was opened. This is why you typically need your routing number along with your account number when you are filling out paperwork. For example, your routing transit number is needed in situations such as: 

  • Setting up a new Direct Deposit
  • Setting up auto payment of bills
  • Filing a W9
  • Sending wire transfers
  • Processing checks

You'll often encounter these when you're getting started with a new employer, setting up bill payments, or filing your taxes. Other examples of times you may need your routing number include: 

  • Opening a new bank account
  • Ordering new checks
  • Sending people money
  • Transferring money to another institution
  • Depositing Social Security checks
  • Depositing tax returns
  • Filing or updating employment paperwork

How do I find my routing number?

As a Credit Union West member, your routing number is 322172153. You can easily find your routing number in the future, by looking on our website, within your online banking account, or in your checkbook. Check out all of the places you can find the routing number, listed below.

Find your routing number on our Website  

Website Header

You can find the number on our website by checking the top right-hand corner of any page. You will see our routing number listed in blue letters on every page of the website. 


Website Footer

You can also find it within the footer of each web page. To find it in the footer, scroll all the way to bottom of any page and look for it in gray letters, next to the tools and resources. 

Contact Page 

The routing number is also listed on specific pages of our website such as the Contact Us page. When you visit our Contact page, you'll see the routing number listed in large letters, just above the Lost/Stolen Card help.

Find your routing number in online banking


Online Banking Footer

Within Online Banking you can find the routing number in all footers on the browser version and in the app. Plus, you can additionally find it on the log in screen of the app, under the "about" icon.

Find your routing number on your Checks

Checkbook & Checks

You can also find your routing number on your checks. Take a look at the numbers lining the bottom of each check. Your routing number will be the first, nine-digit number at the bottom of the check.

Additional Frequently Asked Questions

Источник: https://www.cuwest.org/routing-number

What is my HSBC routing number?

A bank routing number is a nine-digit number, also called an ABA routing number or routing transit number, and is used by US financial institutions to send and receive electronic transactions between banks. Use our 022000020 Automated Clearing House (ACH) routing number for transactions such as:

  • Direct deposit of your paycheck from your employer directly into your HSBC account
  • Recurring transfers or payments from your HSBC account to pay monthly bills like utilities, tuition or cable
  • Pay friends and family through popular online payment apps

 

Common Questions

 

Why does this routing number look different than the one on my paper checks?

We use a lot of different routing numbers because we have branches all across the country and our routing numbers correspond to branch location. This universal routing number is designed to make it easier for everyone to use and reference.

 

Can I use the universal routing number for wire transfers?

Unfortunately, no. For information on sending and receiving an international or domestic wire transfer with your HSBC account click here.

 

Where can I find my HSBC account number?

You can find your account number in Personal Internet Banking, on your statements, or at the bottom of your checks.

 

How do I set up direct deposit into my HSBC account?

Complete and sign the Direct Deposit Transfer Letter, and along with a voided check, give it to the party making the direct deposit into your account.

 

I need help with something else.

If you still have questions, you can Chat with us any time.

Источник: https://www.us.hsbc.com/faqs/routing-number/

Find your U.S. Bank checking account routing number

Your routing number identifies the location where your account was opened. You'll often be asked for your checking account routing number when you're making a payment online or by phone. It's also referred to as an RTN, a routing transit number or an ABA routing number.

You can see your full account number and routing number when you log in to Online Banking. You'll find a link in the "I'd like to'' list on your checking account transactions page. 

There are two numbers you'll need to provide.

Your bank routing number is a nine-digit code that's based on the U.S. Bank location where your account was opened. It's the first set of numbers printed on the bottom of your checks, on the left side. You can also find it in the U.S. Bank routing number chart below.

Your account number (usually 10-12 digits) is specific to your personal account. It's the second set of numbers printed on the bottom of your checks, just to the right of the bank routing number. You can also find your account number on your monthly statement.

U.S. Bank routing numbers by region

Be sure to use the account number on your most recent statement.

State

Routing number

Colorado - all other areas

Minnesota - East Grand Forks*

Minnesota - all other areas

Nebraska (+ Council Bluffs, IA)

North Dakota (+ Moorhead, MN)

* Aspen/East Grand Forks: If you are a business owner with a cash management account, use the statewide bank routing numbers.

Savings account and IRA routing numbers

To find your savings account or IRA routing numbers, call us at 800.872.2657.

U.S. Bank SWIFT code for incoming wire transfers

If you're receiving an international wire transfer payment, you'll need to:

  • Provide the sender name as it appears on your account
  • Provide your account number
  • Provide the U.S. Bank SWIFT code: USBKUS44IMT

The SWIFT code is for incoming wire transfers only and cannot be used for any other purpose.

Источник: https://www.usbank.com/bank-accounts/checking-accounts/checking-customer-resources/aba-routing-number.html
aba routing number

Routing Number

Credit Union West Routing Number and Other Top FAQs

Routing Number: 322172153

What is an ABA Routing Number?

An ABA Routing Number is a unique, nine-digit number marking the geographic location of your institution. All banks and credit unions in the United States have at least one routing number. At Credit Union West we have just one routing transit number for all account types.

Tip! An ABA Routing Number is often referred to simply as a "Routing Number," an "ABA Number," or an "Routing Transit Number (RTN)." These terms can all be used interchangeably. 

What is Credit Union West’s Routing Number used for?

Credit Union West's routing number tells the processing institution where your account was opened. This is why you typically need your routing number along with your account number when you are filling out paperwork. For example, your routing transit number is needed in situations such as: 

  • Setting up a new Direct Deposit
  • Setting up auto payment of bills
  • Filing a W9
  • Sending wire transfers
  • Processing checks

You'll often encounter these when you're getting started with a new employer, setting up bill payments, or filing your taxes. Other examples of times you may need your routing number include: 

  • Opening a new bank account
  • Ordering new checks
  • Sending people money
  • Transferring money to another institution
  • Depositing Social Security checks
  • Depositing tax returns
  • Filing or updating employment paperwork

How do I find my routing number?

As a Credit Union West member, your routing number is 322172153. You can easily find your routing number in the future, by looking on our website, within your online banking account, or in your checkbook. Check out all aba routing number the places you can find the routing number, listed below.

Find your routing number on our Website  

Website Header

You can find the number on our website by checking the top right-hand corner of any page. You will see our routing number listed in blue letters on every page of the website. 


Website Footer

You can also find it within the footer of each web page. To find it in the footer, scroll all the way to bottom of any page and look for it in gray letters, next to the tools and resources. 

Contact Page 

The ibc online banking app number is also listed on specific pages of our website such as the Contact Us page. When you visit our Contact page, you'll see the routing number listed in large letters, just above the Lost/Stolen Card help.

Find your routing number in online banking


Online Banking Footer

Within Online Banking you can find the routing number in all footers on the browser version and in the app. Plus, you can additionally find it on the log in screen of the app, under the "about" icon.

Find your routing number on your Checks

Checkbook & Checks

You can also find your routing number on your checks. Take a look at the numbers lining the bottom of each check. Your routing number will be the first, nine-digit number at the bottom of the check.

Additional Frequently Asked Questions

Источник: https://www.cuwest.org/routing-number
Bank Routing Numbers

An Overview of ABA Routing Transit Numbers

A bank routing number, also known as a Routing Transit Number (RTN) or an ABA Routing Number, is a unique nine-digit number that is assigned to each banking or financial institution. The numbering system was originally designed by the American Bankers Association (ABA) in 1910 to facilitate the processing of paper checks.

Since that time, the ABA began partnering with registrars to manage the system. Today, the code is used by Automated Clearing Houses (ACH) to process direct deposits, bill payments, and other automated transfers. The ABA routing number is usually found at the bottom of a personal or business check.

Who Assigns Routing Numbers?

Accuity, a SourceMedia company, is the registrar that is responsible for assigning new ABA numbers. They publish the list of ABA routing numbers in the American Bankers Association Key to Routing Numbers semi-annual publication. Currently, there are approximately 30,000 numbers currently in use.

How to decode the First Two Digits

The first two digits of the nine-digit ABA Routing Number correspond to the 12 Federal Reserve Banks. The first two digits must be in the ranges 00 through 12, 21 through 32, 61 through 72, or 80.

01 through 12 are the “normal” routing numbers and correlate to the Federal Reserve Banks as follows:

  • 01 = Boston
  • 02 = New York
  • 03 = Philadelphia
  • 04 = Cleveland
  • 05 = Richmond
  • 06 = Atlanta
  • 07 = Chicago
  • 08 = St. Louis
  • 09 = Minneapolis
  • 10 = Kansas City
  • 11 = Dallas
  • 12 = San Francisco

The numbers 21 through 32 were assigned only to thrift institutions through the year 1985, aba routing number now the numbers may be used by any bank, although they are primarily used by credit unions. For example, this range of numbers correlates to the Federal Reserve Aba routing number as follows:

  • 21 = Boston, Massachusetts
  • 22 = New York, New York
  • 23 = Philadelphia, Pennsylvania
  • 24 = Cleveland, Ohio
  • 25 = Richmond, Virginia
  • 26 = Atlanta, Georgia
  • 27 = Chicago, Illinois
  • 28 = St. Louis, Missouri
  • 29 = Minneapolis, Minnesota
  • 30 = Kansas City, Missouri
  • 31 = Dallas, Texas
  • 32 = San Francisco, California

The numbers 61 through 72 are used for electronic transactions by non-bank processors. The numbers correlate as follows:

  • 61 = Boston
  • 62 = New York
  • 63 = Philadelphia
  • 64 = Cleveland
  • 65 = Richmond
  • 66 = Atlanta
  • 67 = Chicago
  • 68 = St. Louis
  • 69 = Minneapolis
  • 70 = Kansas City
  • 71 = Dallas
  • 72 = San Francisco

The number 80 is for traveler’s checks.

How to decode the Third and Fourth digits

The third digit corresponds to the Federal Reserve check processing center that is assigned to the bank. The fourth digit is 0 if the bank is located in the Federal Reserve city. If not, it is 1–9 depending on which state in the Federal Reserve district it is in.

How to decode the Fifth through the Eighth digits

Next, the fifth through eighth digits are the ABA Institution Identifier. The institution identifier represents the bank’s unique ABA identity within the Federal Reserve district.

How to decode the Ninth digit

The ninth check digit is a checksum test that uses a position-weighted sum of each of the digits. Check sorting equipment verifies the checksum. If the checksum fails, the item routes to something known as a “reject pocket”. The reject pocket is where someone manually examines the check. Then, they make repairs and resubmit for sorting.

What do private investigators need to know?

Private detectives who conduct financial investigations, perform forensic accounting, and run asset searches should have a clear understanding of these numbers to facilitate decoding financial transactions, tracing payments, and finding assets.

Questions and Comments

If you have any questions about the ABA bank routing number, please leave a message below. Also, here are some resources for more information:

  • ABA Routing Numbers– The official ABA site provides detailed information on the background and development of the numbering system, how to obtain an official number, and much more. Run a routing number search. Companies who need access to the entire Routing Number obx netflix show or who may be applying for a routing number should contact Accuity, the Official Registrar.
  • Financial Products and Services – An overview of various financial products and services.

Michael Kissiah, eInvestigator.com

https://www.einvestigator.com

Michael Kissiah is the owner of Brandy Lane Publishing, LLC, which owns and operates a small portfolio of websites, including eInvestigator.com. Michael created eInvestigator.com more than 20 years ago after working as a private investigator in the state of Florida. Since that time, he has become an expert at how to find information online and has written over 1000 articles on topics related to the investigation industry. In addition, he is the author of the "Private Investigator Licensing Handbook", available at Amazon.com.

Источник: https://www.einvestigator.com/aba-routing-numbers/

Find your U.S. Bank checking account routing number

Your routing number identifies the location where your account was opened. You'll often be asked for your checking account routing number when you're making a payment online or by phone. It's also referred to as an RTN, a routing transit number or an ABA routing number.

You can see your full account number and routing number when you log in to Online Banking. You'll find a link in the "I'd like to'' list on your checking account transactions page. 

There are two numbers you'll need to provide.

Your bank routing number is a nine-digit code that's based on the U.S. Bank aba routing number where your account was opened. It's the first set of numbers printed on the bottom of your checks, on the left side. You can also find it in the U.S. Bank routing number chart below.

Your account number (usually 10-12 digits) is specific to your personal account. It's the second set of numbers printed on the bottom of your checks, just to the right of the bank routing number. You can also find your account number on your monthly statement.

U.S. Bank routing numbers by region

Be sure to use the account number on your most recent statement.

State

Routing number

Colorado - all other areas

Minnesota - East Grand Forks*

Minnesota - all other areas

Nebraska (+ Council Bluffs, IA)

North Dakota (+ Moorhead, MN)

* Aspen/East Grand Forks: If you are a business owner with a cash management account, use the statewide bank routing numbers.

Savings account and IRA routing numbers

To find your savings account or IRA routing numbers, call us at 800.872.2657.

U.S. Bank SWIFT code for incoming wire transfers

If you're receiving an international wire transfer payment, you'll need to:

  • Provide the sender name as it appears on your account
  • Provide your account number
  • Provide the U.S. Bank SWIFT code: USBKUS44IMT

The SWIFT code is for incoming wire transfers only and cannot be used for any other purpose.

Источник: https://www.usbank.com/bank-accounts/checking-accounts/checking-customer-resources/aba-routing-number.html

What is my HSBC routing number?

A bank routing number is a nine-digit number, also called an ABA routing number or routing transit number, and is used aba routing number US financial institutions to send and receive electronic transactions between banks. Use our 022000020 Automated Clearing House (ACH) routing number for transactions such as:

  • Direct deposit of your paycheck from your employer directly into your HSBC account
  • Recurring transfers or payments from your Aba routing number account to pay monthly bills like utilities, tuition or cable
  • Pay friends and family through popular online payment apps

 

Common Questions

 

Why does this routing number look different than the one on my paper checks?

We use a lot of different routing numbers because we have aba routing number all across the country and our routing numbers correspond to branch location. This universal routing number is designed to make it easier for everyone to use and reference.

 

Can I use the universal routing number for wire transfers?

Unfortunately, no. For information on sending and receiving an international or domestic wire transfer with your HSBC account click here.

 

Where can I find my HSBC account number?

You can find your account number in Personal Internet Banking, on your statements, or at the bottom of your checks.

 

How do I set up direct deposit into my HSBC account?

Complete and sign the Direct Deposit Transfer Letter, and along with a voided check, give it to the party making the direct deposit into your account.

 

I need help with something else.

If you still have questions, you can Chat with us any time.

Источник: https://www.us.hsbc.com/faqs/routing-number/

How to Find an ABA Routing Number

By Matt McGew

The PayPal form needs a 5-digit bank transit number.

The American Bankers Association routing number is a nine-digit numerical code used to identify a bank. Banks use ABA routing numbers to process checks and electronic transfers of funds between banks. Both personal and business accounts use ABA routing numbers. You can find your ABA routing number by looking at your business's checks, calling your bank or using an online tool. You need to know your bank's routing number to receive wire transfers to your business account or to make electronic payments using your business bank account.

Look at your business's checks. At the bottom of the check you see a long string of numbers. The nine-digit number located at the bottom left corner, separated by colons, is your bank's ABA routing number.

Call your bank's customer service number associated with your business account. Ask the customer service representative for the bank's ABA routing number.

Use an online ABA routing number search tool. Examples of online ABA routing number search sites include routingnumbers.org, checkcomposer.com and swiftcodesinfo.com. Enter your bank's name in the search box and click the "Search" button or hit "Enter" to display the ABA routing number for your bank. Large banks may have multiple routing numbers displayed. Find the routing number associated with the location of your bank where you opened your aba routing number Bio

Since 1992 Matt McGew has provided content for on and offline businesses and publications. Previous work has appeared in the "Los Angeles Times," Travelocity and "GQ Magazine." McGew specializes in search engine optimization and has a Master of Arts in journalism from New York University.

Источник: https://smallbusiness.chron.com/aba-routing-number-12195.html

ABA Numbers: Where to Find Them and How They Work

An ABA number, also known as a bank routing number, is a nine-digit code that identifies banks in the U.S. That number makes it possible for banks to transfer money to and from your accounts for transactions like wire transfers, direct deposit, and automatic bill payments.

ABA Origins

In 1910, the American Bankers Association (ABA) created ABA numbers as a way to assign unique identifiers to each payment-issuing bank. Doing so reduced confusion for processing paper checks, which were a common form of payment at the time. Over time, ABA numbers have evolved to include the Federal Reserve’s payment processes and facilitate modern aba routing number payments.

How to Find and Use ABA Numbers

You can get your account’s ABA number from several sources. If you have a checkbook handy, the easiest solution is to locate the numbers at the bottom of one of your checks.

On Paper Checks

An ABA number is printed on every check. On personal checks, it is usually the nine-digit number in the bottom left-hand corner. The number might appear somewhere else on computer-generated checks (like online bill payment checks or business checks). You can also find your ABA number on deposit slips, typically in the same location.

Contact Your Bank

Some banks provide this information online, although you might need to log into your account to find the right number. Search your bank’s website for direct deposit forms or Automated Clearing House (ACH) information. Alternatively, call customer service and ask.

Use the Correct Number

Your bank may operate under several ABA numbers, so it’s essential to identify the one specific to your account. ABA numbers may differ depending on where you opened your account, and bank mergers can result in multiple codes for the same bank. Some banks also use separate ABA numbers for wire transfers vs. direct deposit or ACH transactions.

Even if you know the correct number for ordering checks, you might need to aba routing number a different number for wire transfers or electronic bill payments. When in doubt, ask a customer service representative at your bank which number to use.

How ABA Numbers Work

In most cases, all you need to do is provide your ABA number, along with your account number, to whoever is requesting it. Banks, billers, and your employer (or whoever aba routing number is setting up automatic transfers) handle the logistics after that.

If your bank fails or merges, you may receive new ABA numbers—but you don’t necessarily have to start using them right away.

Ask your bank if you can continue using old numbers until you order new checks or sign up for new services. In some cases, you can continue using old routing numbers indefinitely.

ABA numbers follow an intricate system:

Behind the Name

An ABA number is like an address that tells financial institutions where to find your account. As a result, ABA numbers may also be called routing transit numbers (RTNs) or check routing numbers.

Computer-Readable

Routing numbers are typically printed on checks using magnetic ink, which allows special machines to read the code more easily. Whether or not magnetic ink is present, printers usually use MICR font, making it easy for computers to visually recognize the numbers. That’s helpful when you deposit a check by snapping a photo with your mobile device, for example.

The first four digits were initially assigned by the Federal Reserve Routing System and represent the bank's physical location. Because of acquisitions and mergers, these numbers frequently do not correlate with the bank’s geographic location today.

The fifth and sixth digits designate which Federal Reserve bank the institution's electronic and wire transfers will route through.

The seventh digit indicates which Federal Reserve check processing center was initially assigned to the bank. 

The eighth digit designates which Federal Reserve district the bank is in. 

The ninth digit provides a checksum. The checksum is a complicated mathematical expression using the first eight digits. If the end result does not equal the checksum number, the transaction gets flagged and rerouted for manual processing.

The ABA's Role in Check Processing

Since the 1960s, the ABA number has played an instrumental part in significantly speeding up check processing. Additionally, with the passage of the Check 21 Act in 2004, physical checks that needed to travel by airplane and truck to reach banks could now be submitted and cleared electronically. As a result, funds clear much more quickly, and consumers no longer have the luxury of "playing the float" or issuing a check a few days before they actually have the funds in their account.

Frequently Asked Questions (FAQs)

How can you tell the difference between a routing number and an account number?

The routing number is usually the first, bottom-left number on your check and is followed by the account number. The routing number is always nine digits long, while your account number may be between 10 and 12 digits.

What is the difference between an IBAN number and an ABA number?

IBAN numbers, or international bank account numbers, are used for international bank routing throughout much of Europe. ABA numbers are specific only to the U.S. The U.S. does not use IBAN numbers for international banking. For international transfers, the U.S. uses SWIFT codes.

Источник: https://www.thebalance.com/what-is-an-aba-number-and-where-can-i-find-it-315435

There are times when you’ll need to know your Fulton Bank routing (or ABA) number. This unique nine-digit code can be found at the bottom of your check and you’ll need it for transactions such as setting up direct deposit and making automatic bill payments.

Our routing number is:  031301422

Check image with routing number

 

How to reorder personal checks

To reorder personal checks, you’ll need:

  • The Fulton Bank Routing Number
  • Your account number, which appears on your checks
  • The starting number of your next check

The best way to reorder checks is by logging in to Online Banking. Or, you can always order checks by visiting any one of our local financial centers.

Please note that the cost of your checks may vary, depending on which type you select. 

Источник: https://www.fultonbank.com/ABA-Routing-Number
aba routing number

Comments

  1. As a federal recruiter, I want to see the word OBJECTIVE at the top so that I know what you want.

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