Bank Routing Numbers: What They Are and How To Find Them

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In today’s world of electronic banking, it’s common to need a bank’s routing number, such as for a direct deposit form or to set up a money transfer from one bank to another. A routing number, also called an ABA number, is nothing more than an identifier that distinguishes a particular bank from all others. 

Large banks may have a different routing number for each state in which they have a branch, and some may even have routing numbers unique to specific transaction types. This can sometimes make finding the correct routing number for a particular account challenging.

Since this number is an essential part of how money moves between financial institutions and bank accounts, here’s a closer look at bank routing numbers and how to find routing numbers for your accounts.

Why Do Banks Have Routing Numbers?

The American Bankers Association routing number, or ABA routing number, uses a nine-digit code to identify U.S. federal- or state-chartered banks. This system was started in the U.S. in 1910. 

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Routing numbers are used to correctly identify the banks involved in any financial transaction. They’re essential because they enable the U.S. banking system to clear a financial transaction by matching up the appropriate financial institutions involved in the transaction, ensuring money is coming out of and going into the right banks.

Similarly, account numbers are required to complete transactions to ensure that money is coming and going from the correct accounts. Unlike banking information that’s more sensitive in nature, a routing number doesn’t need to be kept private for security reasons, so it can easily be looked up. 

What Is the Difference Between a Routing Number, Account Number and Check Number?

A bank routing number, account number and check number play different roles in banking transactions, but they all direct money to where it’s supposed to go.

The bottom line of any kind of check — personal or business — is preprinted with a sequence of numbers and symbols below the memo and signature lines. This sequence contains the following important information which the bank uses to process the check:

  • Routing number: The first nine-digit number in the sequence, starting from the left, is the routing number that matches the financial transaction with the appropriate financial institution.
  • Account number: The next string of numbers is the account number. This number identifies the specific account associated with the check being issued. 
  • Check number: The last string of numbers is the check number. It’s used to determine which checks have been processed by the bank.
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How Do I Find My Bank’s Routing Number? 

While routing numbers are prominently placed on checks, they can also often be found on deposit slips. However, it’s not uncommon for people to have a checking account without paper checks or deposit slips. For those who only bank electronically, here are a few other ways to locate a bank’s routing number:

  • Search the bank’s website or contact the bank.
  • Check a bank statement.
  • Log in to the online banking platform or mobile banking app associated with the account.
  • Use the ABA’s Routing Number Lookup tool.
  • Perform a Google search using the bank’s name and the term “routing number” as the keyword. Make sure to verify that the information is coming from a reliable source.

Large financial institutions often have a different routing number for each state. Some even have more than one routing number for some states. Chase, Wells Fargo and Bank of America account holders can find state-specific routing numbers in the following table. 

Note: GOBankingRates was unable to confirm Chase routing numbers for some states.

State Chase Routing Number Wells Fargo Routing Number Bank of America Routing Number
Alabama Unconfirmed 062000080 051000017
Alaska Unconfirmed 125200057 051000017
Arizona 122100024 122105278 122101706
Arkansas Unconfirmed 111900659 082000073
California 322271627 1210428821 121000358
Colorado 102001017 102000076 123103716
Connecticut 021100361 021101108 011900254
Delaware Unconfirmed 031100869 031202084
District of Columbia Unconfirmed 054001220 054001204
Florida 267084131 063107513 063100277
Georgia 061092387 061000227 061000052
Hawaii Unconfirmed 121042882 051000017
Idaho 123271978 124103799 123103716
Illinois  071000013 071101307 081904808 (South and Chicago Metro)
071000505 (North)
Indiana 074000010 074900275 071214579
Iowa Unconfirmed 073000228 073000176
Kansas Unconfirmed 101089292 101100045
Kentucky 083000137 121042882 064000020
Louisiana 065400137 121042882 051000017
Maine Unconfirmed 121042882 011200365
Maryland Unconfirmed 055003201 052001633
Massachusetts Unconfirmed 121042882 011000138
Michigan 072000326 091101455 072000805
Minnesota Unconfirmed 091000019 071214579
Mississippi Unconfirmed 062203751 051000017
Missouri Unconfirmed 113105449 081000032
Montana Unconfirmed 092905278 051000017
Nebraska Unconfirmed 104000058 051000017
Nevada 322271627 321270742 122400724
New Hampshire Unconfirmed 121042882 011400495
New Jersey 021202337 021200025 021200339
New Mexico Unconfirmed 107002192 107000327
New York 021000021 (Downstate)
022300173 (Upstate)
026012881 021000322
North Carolina Unconfirmed 053000219 053000196
North Dakota Unconfirmed 091300010 051000017
Ohio 044000037 041215537 071214579
Oklahoma 103000648 121042882 103000017
Oregon 325070760 123006800 323070380
Pennsylvania Unconfirmed 031000503 031202084
Rhode Island Unconfirmed 121042882 011500010
South Carolina Unconfirmed 053207766 053904483
South Dakota Unconfirmed 091400046 051000017
Tennessee Unconfirmed 064003768 064000020
Texas 111000614 111900659
112000066 (El Paso only)
111000025
Utah 124001545 124002971 123103716
Vermont Unconfirmed 121042882 051000017
Virginia Unconfirmed 051400549 051000017
Washington 325070760 125008547 125000024
West Virginia 051900366 121042882 051000017
Wisconsin 075000019 075911988 051000017
Wyoming Unconfirmed 102301092 051000017
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1Note for Wells Fargo California customers: If you opened your account in Southern California, you might see a routing number on your checks that’s different from the number displayed in the chart. Using either number is fine.

Routing Numbers for Specific Transaction Types

In addition to routing numbers by state, some banks have designated routing numbers for specific transaction types, such as wire transfers and ACH transactions.

Routing number look-up tools often allow users to search by state and transaction type or display routing numbers for each transaction type. Those not sure which routing number to use should check with their bank.

How Bank Routing Numbers Are Used

American banks and credit unions use ABA routing numbers for the following types of transactions:

  • ACH transactions, such as direct deposit and online bill pay
  • Wire transfers
  • Setting up recurring automatic payments
  • Transferring money between banks
  • Processing checks
  • Ordering checks online

Takeaway

Routing numbers are essential to the U.S. banking system to ensure money is moving out of and into the right banks for every transaction, whether a bill payment, direct deposit or other transaction.

Since more banking transactions are carried out electronically, it’s common to need to find a routing number. When looking up bank routing numbers, be sure to use a trusted source — such as the bank that holds the account — to ensure you’re using the correct number. This will help avoid transaction delays or errors.

Our in-house research team and on-site financial experts work together to create content that’s accurate, impartial, and up to date. We fact-check every single statistic, quote and fact using trusted primary resources to make sure the information we provide is correct. You can learn more about GOBankingRates’ processes and standards in our editorial policy.

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About the Author

Andrea Norris has been in the web publishing business for the past 15 years both as a content contributor and a copy editor specializing in personal finance, frugal living, home and auto topics. She writes both short and long-form content and is well-practiced in SEO keyword research and writing.

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