If you have a bank account, then you have an account number and a routing number that is attached to that account. Obviously, the account number is a direct number for your account and nobody else’s. Your routing number actually belongs to the bank and not you.
Not everyone that has an account at a certain bank will have the same routing number, but more than one person has the same routing number for sure. Technically, there is a maximum of 5 routing numbers per bank, but if the bank you use has taken over other banks then they may have more than that.
There are several ways to find your routing number, which is used in a lot of online transactions or when setting up direct deposit at your work even.
1. You can find it on one of your checks next to your account number
2. You can find it on your online bank account page
3. You can call your banks customer service line and get help finding it
4. You can check your banking app if you have one
5. If you have paper bank statements, you can check them
6. Lastly, you can also use one of many websites that gather this info and then list it online although some of these sites may not be accurate if there have been changes since they posted the information
Finding Your Routing Number Online
There are several ways to find your routing number online. A lot of the bigger banks out there have different routing numbers for branches that are located in different states and have them listed on websites.
Some of the names that do this include the following.
You can find websites for these banks’ lists of routing numbers very easily and should be able to figure your routing number out using them.
There is also a web based query service that the American Bankers Association has made. You have to agree to their terms and conditions, of course. Once you do, you can search for a bank routing number by the name and city of the bank you have your account in, or you can find a bank by the routing number.
A Little Background on the Routing Number
Bank routing numbers were created about 100 years ago. They are 9 digits long and are also known as an ABA Routing Transit Number. They were created to help banks all over the United States complete transactions between one another. When it was first created, they allowed you to not only identify the bank, but also let you find out where that bank was located. Banks did this as a way to help sort and ship checks quickly and efficiently.
Now, checks are used less and less, but routing numbers are still being used regularly. The first 4 digits in the routing number identify the ABA Institution. The middle number on your check is your account number. The last number at the bottom of a check is the Check Digit. Like mentioned above, the routing number is used in direct deposit and online transactions, but they are also used for wire transfers and bill payments as well.
With all the resources out there to find your bank routing number, you shouldn’t have any issues in being able to find yours online somewhere. If your bank doesn’t have an app or their info listed online for some reason, you may have to resort to a phone call or going into a local branch. The chances of not being able to find it somewhere is slim though.