What Is an ABA Routing Number?
An ABA routing number is a 9-digit code that identifies a specific US financial institution. Every bank, credit union, and savings institution that participates in electronic payments has at least one routing number.
Routing numbers are used for ACH direct deposits, wire transfers, check processing, and bill payments. Large banks often have different routing numbers for different states or transaction types.
Learn how routing numbers workRouting Number Structure
Browse by Institution Type
Routing numbers are assigned to commercial banks, credit unions, and savings institutions. Each type has different characteristics and services.
Commercial Banks
Full-service banks offering checking, savings, loans, and investment services. Includes large national banks like Chase, Bank of America, and Wells Fargo.
Credit Unions
Member-owned, not-for-profit financial cooperatives. Often offer better rates than commercial banks. Includes Navy Federal, PenFed, and thousands of local credit unions.
Savings Institutions
Thrifts, savings banks, and savings associations specializing in savings accounts and mortgage lending. Includes federal savings banks and savings associations.
Popular Banks
Browse all banks →Routing Number Guides
All guides →How ABA Routing Numbers Work
The structure of a routing number, what each digit means, and how the ABA checksum validates every routing number.
ACH vs Wire Transfer Routing Numbers
Some banks use different routing numbers for ACH and wire transfers. Learn which one to use for each transaction type.
How to Find Your Routing Number on a Check
Step-by-step guide to finding your routing number at the bottom of a personal check.
What Is a Routing Number Used For
Every use case for routing numbers — direct deposit, ACH, wire, bill pay, and tax refunds.
Routing Number vs Account Number
The key differences between routing numbers and account numbers, and when to use each.
How to Verify a Routing Number
Use the ABA checksum formula and Federal Reserve directory to verify any routing number before sending money.