New Hampshire. New Jersey. New Mexico. New York. North Carolina. North Dakota. Rhode Island. South Carolina. South Dakota. Texas, North. Texas, South.
West Virginia. The ABA routing number appears in two forms on most checks: as a machine-readable nine-digit number on the bottom left followed by the checking account number , and as a fraction at the top.
The first form, known as the magnetic ink character recognition MICR form, is the one used to process checks. The second is a holdover from when checks were manually processed and contained most of the same information in a different format. The second form is still used as a backup in case the machine-readable format is illegible.
The number in MICR form, whether magnetic or not, allows computers to "read" or recognize the numbers. If you are unclear about your bank's ABA transit number and don't have a check handy, simply call the bank. They can give you the institution's ABA number over the phone. To qualify for an ABA transit number, a financial institution must be eligible to hold an account at a Federal Reserve bank.
ABA transit numbers are useful for receiving automatic payments, like a paycheck. In that case, you give your ABA transit number along with your checking account number to your employer.
The banks will take care of everything else. In the past, physical paper checks were mailed to the recipient or the recipient's bank, which took considerably more time than sending a check electronically.
In , the Check 21 Act, allowed checks to be cleared electronically and almost automatically versus having to wait for a check to arrive, and then clear in an account. The ABA transit number plays a vital role in the expediency of check processing.
Checking Accounts. You can also find your ABA number on deposit slips , typically in the same location. Some banks provide this information online, although you might need to log into your account to find the right number. Alternatively, call customer service and ask. ABA numbers may differ depending on where you opened your account, and bank mergers can result in multiple codes for the same bank.
Some banks also use separate ABA numbers for wire transfers vs. Even if you know the correct number for ordering checks, you might need to use a different number for wire transfers or electronic bill payments. When in doubt, ask a customer service representative at your bank which number to use.
In most cases, all you need to do is provide your ABA number, along with your account number, to whoever is requesting it. Banks, billers, and your employer or whoever else is setting up automatic transfers handle the logistics after that.
Ask your bank if you can continue using old numbers until you order new checks or sign up for new services. In some cases, you can continue using old routing numbers indefinitely. ABA numbers follow an intricate system:. An ABA number is like an address that tells financial institutions where to find your account.
Routing numbers are typically printed on checks using magnetic ink, which allows special machines to read the code more easily. Whether or not magnetic ink is present, printers usually use MICR font, making it easy for computers to visually recognize the numbers. The first four digits were initially assigned by the Federal Reserve Routing System and represent the bank's physical location.
The fifth and sixth digits designate which Federal Reserve bank the institution's electronic and wire transfers will route through. The seventh digit indicates which Federal Reserve check processing center was initially assigned to the bank.
California - Northern. California - Southern. Colorado - all other areas. Illinois - Northern. Illinois - Southern. Iowa - Council Bluffs. Kentucky - Northern. Kentucky - Western. Minnesota - Moorhead. Minnesota - all other areas. Missouri - Western. New Mexico. North Carolina. Ohio - Cleveland.
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