ABA Routing Number
The ABA routing number is a 9-digit code used to identify US financial institutions for ACH payments, wire transfers, and direct deposits. Introduced in 1910 by the American Bankers Association, it remains the backbone of domestic US payments.
At a glance
Country
United States
Identifier
RTN
Format
9 digits
Used for
Domestic transfers
Format breakdown
02
Fed District
1–2
Federal Reserve region
10
Fed Office
3–4
Processing center
0002
Bank ID
5–8
Institution identifier
1
Check Digit
9
Checksum validation
How RTN works
Each routing number identifies a specific bank and its Federal Reserve processing center. Large banks like Chase and Wells Fargo have different routing numbers for each state due to historical mergers and acquisitions.
Where to find yours
On the bottom-left of any check (first 9 digits), in your banking app under account details, or on your bank's website.
Payment systems in United States
| System | Speed | Description |
|---|---|---|
| ACH | 1–2 business days | Batch processing for payroll, bill pay, direct deposits |
| Fedwire | Same day | Real-time gross settlement for high-value transfers |
| FedNow | Instant | Real-time payments launched in 2023 |
Major banks in United States
Good to know
Large banks have different routing numbers per state — use the one for the state where you opened your account.
ACH and wire transfers may use different routing numbers at the same bank.
Routing numbers are public, but never share your account number with untrusted parties.
Related tools
Routing Number Lookup
Validate any ABA number
SWIFT Code Lookup
For international transfers
IBAN Calculator
Generate valid IBANs
Other countries
Frequently asked questions
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