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What Is An ABA Routing Number

What Is An ABA Routing Number

Click on the link within the article to see the total article about check bank routing numbers, and an alphabetically listed checklist of American Bank routing numbers..

All bank routing numbers are for American banks, financial establishments and credit unions.

These embody the addresses, phone numbers and routing numbers for Wells Fargo, Chase, Citizens Bank, Citibank, Capital One, Comerica, BBVA Compass, Charles Schwab and Commerce Bank and lots of others.

Please observe that a bank or monetary establishment can have more than one routing number. The routing numbers listed are the FedACH numbers, used for electronic transfers. For many banks, this is similar number because the ABA routing number discovered on checks, but not always.

We recommend additionally searching for 'routing number' on your banks' homepage. This web page is updated yearly. A bank routing number will normally not change. One reason it may change, nevertheless, can be in the case of a bank merger. For day by day updated routing number lists, please check with the lookup companies listed underneath 'Other Assets'.

Tips on how to discover the routing number and account number on a check.

With a purpose to send and receive money from other financial establishments, banks and credit unions need a routing number.
What's a routing number?

It’s a 9-digit number assigned to a bank or credit union so it may possibly send and receive funds from different monetary institutions. The routing number determines the place your account was opened.

It is usually referred to as an ABA (American Bankers Affiliation) number, and as a routing transit number.

Slightly than reading a check to find out your bank’s name and potentially confusing it with a bank of an identical name, routing numbers help bank staff and the machines that now process checks to know exactly the place cash is meant to go. That way, checks supposed for Bank of America and American Bank never go to the flawed place by mistake.

One bank might have many routing numbers, depending on issues like the situation of the account or the duty it’s getting used for, however no 2 banks will ever have the identical routing number.

Routing numbers are used for lots of everyday duties:

Direct deposit.
Automated invoice payments.
Check processing.
Wire transfers.

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The place to discover a routing number

The routing number is a part of the magazinenetic ink character recognition, or MICR, line on the backside of your check, which additionally contains your account number. Should you’re trying to find out your bank’s routing number, that’s a great place to start.

Sample of a personal check

Alternatively, your bank’s website could submit its routing numbers online. That’s because, not like your checking account or savings account number, it’s not one thing you really have to preserve secret, says C. Diane Poole, senior vice president, member & technical services on the ABA.

"Most banks will put up their routing numbers on their websites, because when people wish to wire them cash, they want that data," Poole says. "It turns into more delicate when you might have a routing number and an account number, because then you can actually have entry to somebody’s individual account."

You’ll also want to be sure to have the proper routing number for what you’re making an attempt to do. For example, the routing number on your checks might differ from the number you'd use for doing a wire transfer.
The place did routing numbers come from?

Routing numbers had been originally created by the ABA in 1910 as a approach to make check processing easier and more secure, Poole says.

"They wanted a strategy to uniquely identify the paying bank — in other words, the bank that was going to be chargeable for truly honoring the check — so this was type of the primary time that an identification number was used," Poole says. "This was back when there weren’t any computers."
Routing numbers have been created by the American Bankers Affiliation in 1910 as a solution to uniquely establish the paying bank.

The routing number helped an individual taking a check ensure they would actually get the cash the check promised from the payer’s bank.

After the Federal Reserve was based and took on a big function in the processing of funds, a Federal Reserve number was added to every bank’s routing number. That "Federal Reserve routing image," as it’s formally identified now, specifies the kind of institution and the Federal Reserve district by which the account was opened.
Check processing becomes practically instantaneous

The numbers would go on for use in digital check-cashing networks beginning in the 1960s, which vastly sped up check processing. The passage of the Check 21 Act, and the power of banks to make electronic copies of checks for transportation, fairly than sending paper copies, has made processing virtually instantaneous.

Actually, routing numbers are a part of the reason that the "check float" — writing a check you don’t have the cash to cowl in hopes that a deposit will come via to cowl it earlier than it's processed — doesn’t really work anymore, Poole says.

"If you write a check, there’s an opportunity the money’s already been debited before the ink dries on the check if it’s been remotely captured," Poole says. "People just need to grasp that payments move at lightning speed."

In different words, don’t write checks that your bank can’t cash instantaneously.

High one hundred fifty Largest US Banks.

Click on the link within the article to see the complete checklist of bank routing numbers for America's Prime a hundred and fifty banks.

Following are the a hundred and fifty U.S. monetary institutions with probably the most deposits as of 31 Dec 2008 (in billions of U.S. dollars). For up to date info, go to www.fdic.gov. Word: Click on the bank or credit union's name to go directly to their website.

Rank Name Headquarters Deposits (billions)
1 JP Morgan Chase & Co. New York, NY $1,009
2 Bank of America Charlotte, NC $884
three Wells Fargo San Francisco, CA $785
four Citigroup New York, NY $774
5 PNC Monetary Companies Group Pittsburgh, PA $193
6 HSBC Holdings London $161
7 Bank of New York Mellon New York, NY $160
8 U.S. Bancorp Minneapolis, MN $159
9 SunTrust Bank Atlanta, GA $113
10 State Street Corp. Boston, MA $112
11 Capital One Monetary McClean, VA $109
12 BB&T Corporation Winston-Salem, NC $98.7
13 Toronto-Dominion Bank Toronto, ON $95.6
14 Royal Bank of Scotland Edinburgh $94.8
15 Regions Financial Birmingham, AL $90.9
sixteen Fifth Third Bancorp Cincinnati, OH $78.9
17 ING Group Wilmington, DE $71.8
18 KeyCorp Cleveland, OH $65.3
19 Northern Trust Chicago, IL $62.4
20 Bank of Montreal Toronto, ON $53.7
21 BNP Paribas (Bank of the West) Paris $46.6
22 Mitsubishi UFJ Financial Group (Union Bank) Tokyo $46.1
23 Allied Irish Banks Dublin $42.6
24 Comerica Dallas, TX $42.2
25 Zions Bancorp Salt Lake City, UT $41.three
26 Marshall & Ilsley Milwaukee, WI $41.1
27 Banco Bilbao Vizcaya Argentaria S.A. Bilbao, Spain $38.eight
28 Huntington Bancshares Columbus, OH $38.zero
29 E-Trade Monetary New York $29.9
30 Synovus Financial Corp. Columbus, GA $28.6
31 Common Inc. San Juan, PR $27.6
32 Navy Federal Credit Union Vienna, VA $24.7
33 Charles Schwab Corp. San Francisco, CA $23.9
34 Royal Bank of Canada (Centura) Toronto, ON $21.1
35 Colonial BancGroup Inc. Montgomery, AL $18.7
36 Hudson City Bancorp Paramus, NJ $18.7
37 Deutsche Bank Frankfurt $17.1
38 Individuals’s United Financial Inc. Bridgeport, CT $15.6
39 State Staff Credit Union Raleigh, NC $15.three
forty Associated Banc-Corp Green Bay, WI $15.2
forty one BOK Financial Corp. Tulsa, OK $15.0
42 New York Neighborhood Bancorp Inc. Westbury, NY $14.6
43 First Horizon Nationwide Bancorp Memphis, TN $14.2
44 First Residents Bancshares Raleigh, NC $13.7
forty five Astoria Monetary Corp. Lake Success, NY $13.7
forty six First Bancorp San Juan, PR $13.1
47 Commerce Bancshares Kansas Metropolis, MO $12.9
forty eight City Nationwide Bank Beverly Hills, CA $12.7
49 Webster Monetary Corp Waterbury, CT $11.9
50 FBOP Corp Oak Park, IL $11.eight
fifty one Cullen/Frost Bankers Inc. San Antonio, TX $11.6
fifty two Guaranty Monetary Group Inc. Austin, TX $11.6
53 AmTrust Monetary Corp. Cleveland, OH $11.four
fifty four New York Private Bank & Belief Corp New York, NY $11.three
fifty five W Holding Co. Inc. Mayaguez, PR $10.9
fifty six Fulton Financial Corp. Lancaster, PA $10.6
57 Pentagon Federal Credit Union Alexandria, VA $10.5
fifty eight TCF Financial Wayzata, MN $10.three
59 Lehman Brothers Holdings Inc. New York $10.2
60 Bancorpsouth, Inc. Tupelo, MS $9.63
sixty one Valley National Bank Wayne, NJ $9.52
sixty two South Monetary Group Greenville, SC $9.forty five
sixty three Whitney Holding Corp. New Orleans, LA $9.27
sixty four Susquehanna Bancshares Inc. Lititz, PA $9.07
sixty five Citizens Republic Bancorp Inc. Flint, MI $9.06
66 UCBH Holdings, Inc. San Francisco, CA $8.97
sixty seven Raymond James Monetary Inc. St. Petersburg, FL $8.seventy nine
sixty eight First Banks Inc. Clayton, MO $8.74
sixty nine Wilmington Trust Wilmington, DE $8.66
70 BankUnited Financial Corp. Coral Gables, FL $8.61
seventy one Third Federal S&L Cleveland, OH $8.forty eight
72 Wintrust Monetary Corp Lake Forest, IL $8.38
seventy three Sterling Monetary Corp. Spokane, WA $8.37
seventy four Bank of Hawaii Honolulu, HI $8.29
seventy five Arvest Bank Group Bentonville, AR $8.23
76 East West Bancorp Inc. Pasadena, CA $8.15
seventy seven FirstBank Holding Co. Lakewood, CO $8.11
78 PrivateBancorp Chicago, IL $8.00
79 Flagstar Bancorp Inc. Troy, MI $7.91
80 Boeing Staff Credit Union Tukwila, WA $7.88
eighty one UMB Monetary Corp. Kansas City, MO $7.73
82 Midland Financial Oklahoma Metropolis, OK $7.sixty four
eighty three Firstmerit Corp. Akron, OH $7.60
84 Corus Bancshares, Inc. Chicago, IL $7.59
85 SVB Monetary Group Santa Clara, CA $7.fifty three
86 Prosperity Bancshares Inc. Houston, TX $7.33
87 Washington Federal, Inc. Seattle, WA $7.29
88 United Community Banks, Inc. Blairsville, GA $7.00
89 MetLife Inc. New York, NY $6.88
ninety International Bankshares Corp Laredo, TX $6.86
91 Cathay Normal Bancorp El Monte, CA $6.eighty four
ninety two Trustmark Corp. Jackson, MS $6.82
ninety three Central Bancompany Jefferson City, MO $6.79
94 Umpqua Holdings Corp. Portland, OR $6.60
ninety five Pacific Capital Bancorp Santa Barbara, CA $6.fifty nine
ninety six SchoolsFirst Federal Credit Union Santa Ana, CA $6.55
97 MB Monetary, Inc. Chicago, IL $6.50
ninety eight National Penn Bancshares Inc. Boyertown, PA $6.39
ninety nine Cam-Low cost Ltd. Grand Cayman $6.21
a hundred Apple Monetary Holdings Inc. New York, NY $6.09
a hundred and one F.N.B. Corp Hermitage, PA $6.05
102 First Niagara Financial Lockport, NY $6.05
103 Golden 1 Credit Union Sacramento, CA $6.00
104 Hancock Holding Firm Gulfport, MS $5.ninety three
a hundred and five First Citizens Bancorp, Inc. Columbia, SC $5.80
106 United Bancshares, Inc. Charleston, WV $5.65
107 First Midwest Bancorp, Inc. Itasca, IL $5.59
108 Old National Bancorp Evansville, IN $5.forty two
109 Otto Bremer Basis St. Paul, MN $5.40
110 First Interstate Bank Billings, MT $5.17
111 Northwest Bancorp MHC Warren, PA $5.12
112 Eastern Bank Corp. Boston, MA $5.10
113 Suncoast Schools Federal Credit Union Tampa, FL $5.05
114 Banco Santander Santander, Spain $5.02
one hundred fifteen EverBank Monetary Corp. Jacksonville, FL $5.02
116 Dickinson Monetary Corp. Kansas Metropolis, MO $4.ninety eight
117 Boston Private Financial Holdings, Inc. Boston, MA $4.ninety two
118 FirstFed Monetary Corp. Los Angeles, CA $4.91
119 Bank Leumi Ie-Israel, BM Tel-Aviv, Israel $4.82
a hundred and twenty American Airlines Federal Credit Union Fort Value, TX $4.eighty one
121 Rabobank Nederland Utrecht $4.seventy nine
122 Park Nationwide Corp. Newark, OH $4.76
123 Provident Bancshares Baltimore, MD $4.75
124 Alliant Credit Union Chicago, IL $4.67
one hundred twenty five Capitol Bancorp Ltd. Lansing, MI $4.50
126 NewAlliance Bancshares Inc New Haven, CT $4.47
127 Johnson Monetary Group Racine, WI $4.forty three
128 R&G Financial Corp. Hato Rey, PR $4.forty three
129 Doral Financial Corp San Juan, Puerto Rico $4.40
a hundred thirty Mercantil Servicios Financieros Caracas $4.36
131 First Commonwealth Monetary Corporation Indiana, PA $4.28
132 Pinnacle Bancorp Inc. Central Metropolis, NE $4.27
133 Buyers Bancorp MHC Quick Hills, NJ $4.26
134 Provident Financial Companies Inc. Jersey City, NJ $4.25
one hundred thirty five Ocean Bankshares, Inc. Miami, FL $4.17
136 Safety Service Federal Credit Union San Antonio, TX $4.07
137 Capitol Federal Financial savings Bank MHC Topeka, KS $4.01
138 Iberiabank Corp. Lafayette, LA $4.00
139 SNBNY Holdings Gibraltar $3.99
a hundred and forty San Diego County Credit Union San Diego, CA $3.97
141 America First Federal Credit Union Riverdale, UT $3.97
142 Harleysville National Corp. Harleysville, PA $3.ninety four
143 BFC Financial Corp Fort Lauderdale, FL $3.ninety three
a hundred and forty four Amcore Monetary Inc. Rockford, IL $3.93
a hundred forty five NBT Bancorp Inc. Norwich, NY $3.92
146 Central Pacific Monetary Corp. Honolulu, HI $3.ninety one
147 Sterling Bancshares Houston, TX $3.eighty two
148 Banner Corp. Walla Walla, WA $3.78
149 First Merchants Corp Muncie, IN $3.seventy two
one hundred fifty Group Bank System De Witt, NY $3.70



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