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, for things like direct deposit forms or setting up a money transfer from one bank to another. A routing number, also called an ABA number, is 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. 

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, is a nine-digit code to identify U.S. federal- or state-chartered banks. This system was started in the U.S. in 1910. 

Routing numbers 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 comes 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. 

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. If you use this method, make sure you verify that the information is coming from a reliable source.
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Large financial institutions often have different routing numbers for each state. Some even have more than one routing number for some types of transactions. Chase, Wells Fargo and Bank of America account holders can find state-specific routing numbers in the following tables. 

Bank of America Routing Numbers 

Bank of America provides different routing numbers for each state. The numbers below are specifically routing numbers for electronic payments and paper transactions, such as ordering checks. Wire transfers require different routing numbers. 

State Routing Number
Alabama 051000017
Alaska 051000017
Arizona 122101706
Arkansas 082000073
California 121000358
Colorado 123103716
Connecticut 011900254
Delaware 031202084
District of Columbia 054001204
Florida 063100277
Georgia 061000052
Hawaii 051000017
Idaho 123103716
Illinois (Northern) 071000505
Illinois (Southern) 081904808
Indiana 071214579
Iowa 073000176
Kansas 101100045
Kentucky 064000020
Louisiana 051000017
Maine 011200365
Maryland 052001633
Massachusetts 011000138
Michigan 072000805
Minnesota 071214579
Mississippi 051000017
Missouri 081000032
Montana 051000017
Nebraska 123103716
Nevada 122400724
New Hampshire 011400495
New Jersey 021200339
New Mexico 107000327
New York 011400495
North Carolina 053000196
North Dakota 051000017
Ohio 071214579
Oklahoma 103000017
Oregon 323070380
Pennsylvania 031202084
Rhode Island 011500010
South Carolina 053904483
South Dakota 051000017
Tennessee 064000020
Texas 111000025
Utah 123103716
Vermont 051000017
Virginia 051000017
Washington 125000024
West Virginia 051000017
Wisconsin 123103716
Wyoming 051000017

Chase Routing Numbers 

Chase provides unique routing numbers for every state except Hawaii and Alaska.

State Routing Number
Alabama 065400137
Alaska Unconfirmed
Arizona 122100024
Arkansas 044000037
California 322271627
Colorado 102001017
Connecticut 021100361
Delaware 083000137
District of Columbia 044000037
Florida 267084131
Georgia 061092387
Hawaii Unconfirmed
Idaho 123271978
Illinois 071000013
Indiana 074000010
Iowa 075000019
Kansas 103000648
Kentucky 083000137
Louisiana 065400137
Maine 083000137
Maryland 044000037
Massachusetts 021000021
Michigan 072000326
Minnesota 075000019
Mississippi 044000037
Missouri 103000648
Montana 044000037
Nebraska 103000648
Nevada 322271627
New Hampshire 083000137
New Jersey 021202337
New Mexico 044000037
New York (Downstate) 021000021
New York (Upstate) 022300173
North Carolina 072000326
North Dakota 044000037
Ohio 044000037
Oklahoma 103000648
Oregon 325070760
Pennsylvania 083000137
Rhode Island 083000137
South Carolina 072000326
South Dakota 044000037
Tennessee 065400137
Texas 111000614
Utah 124001545
Vermont 083000137
Virginia 044000037
Washington 325070760
West Virginia 051900366
Wisconsin 075000019
Wyoming 044000037

Wells Fargo Routing Numbers 

Wells Fargo has unique routing numbers for each of the states and territories of the United States. 

State Routing Number
Alabama 062000080
Alaska 125200057
Arizona 122105278
Arkansas 111900659
California1 121042882
Colorado 102000076
Connecticut 021101108
Delaware 031100869
District of Columbia 054001220
Florida 063107513
Georgia 061000227
Hawaii 121042882
Idaho 124103799
Illinois 071101307
Indiana 074900275
Iowa 073000228
Kansas 101089292
Kentucky 121042882
Louisiana 121042882
Maine 121042882
Maryland 055003201
Massachusetts 121042882
Michigan 091101455
Minnesota 091000019
Mississippi 062203751
Missouri 113105449
Montana 092905278
Nebraska 104000058
Nevada 321270742
New Hampshire 121042882
New Jersey 021200025
New Mexico 107002192
New York 026012881
North Carolina 053000219
North Dakota 091300010
Ohio 041215537
Oklahoma 121042882
Oregon 123006800
Pennsylvania 031000503
Rhode Island 121042882
South Carolina 053207766
South Dakota 091400046
Tennessee 064003768
Texas 111900659
Texas – El Paso 112000066
Utah 124002971
Vermont 121042882
Virginia 051400549
Washington 125008547
West Virginia 121042882
Wisconsin 075911988
Wyoming 102301092
American Samoa 121042882
North Mariana Islands 121042882
Puerto Rico 121042882
Virgin Islands 121042882
American Forces Abroad 121042882
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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 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

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 that 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 for the appropriate financial institution and transaction.
  • Account number: The next string of numbers is the account number. This number identifies the specific account associated with the issued check. 
  • 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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Final Take

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 it’s 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 a bank routing number, use a trusted source — such as the bank holding the account — to ensure you’re using the correct number. This will help avoid transaction delays or errors.

Andrea Norris contributed to the reporting for this article.

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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