031100649
DISCOVER (CONA)
✓ Valid Checksum
Active
- Institution Name
- DISCOVER (CONA)
- Institution Type
- Commercial Bank
- Address
- 502 E Market St
- City / State
- MCLEAN, VA
- ZIP Code
- 19950
- Phone
- (800) 647-4747
Supported Transaction Types
✓ ACH Transfers
Direct deposit, bill pay, person-to-person transfers. Processed in 1–3 business days.
✓ Wire Transfers
Real-time, same-day settlement via Fedwire. Used for large or time-sensitive transfers.
✓ Check Processing
Printed on the bottom-left of checks. Used to route paper and electronic check payments.
Note: Some banks use a separate routing number for wire transfers. Always confirm wire routing numbers directly with your bank before initiating a wire transfer.
ABA Checksum Validation
Every ABA routing number includes a built-in check digit (the 9th digit) that allows banks to detect transcription errors automatically. The checksum uses a weighted formula: multiply each digit by 3, 7, 1, 3, 7, 1, 3, 7, 1 and the sum must be divisible by 10.
×3
0
0
×7
3
21
×1
1
1
×3
1
3
×7
0
0
×1
0
0
×3
6
18
×7
4
28
×1
9
9
Sum = 0 + 21 + 1 + 3 + 0 + 0 + 18 + 28 + 9 = 80
80 ÷ 10 = 8 remainder 0 → Valid routing number