Routing transit number

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A routing transit number (RTN) or ABA number is a nine digit code, used in the United States, which for instance appears on the bottom of negotiable instruments such as checks that identifies which financial institution it is drawn upon. This code is also used by the Automated Clearing House to process direct deposits and other automated transfers. This system is named after the American Bankers Association, which designed it in 1910.

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[edit] ABA number management

Since 1911, Accuity, a SourceMedia company, has been the official registrar of routing numbers for the American Bankers Association. The company is responsible for assigning new ABA numbers. Accuity publishes the ABA Number Directory in the American Bankers Association Key to Routing Numbers semi-annually. There are approximately 28,000 ABA numbers currently in use. Every financial institution has one of these; it is a 9-digit number that is at the bottom of checks that specifically identifies which financial institution it is associated with, and it is governed by the Routing Number Administrative Board which is sponsored by the ABA.

[edit] ABA number format

The ABA routing number consists of 9 digits:

XXXXYYYYC

where XXXX is Federal Reserve Routing Symbol, YYYY is ABA Institution Identifier, and C is the Check Digit

[edit] Federal Reserve routing symbol

The first two digits of the nine digit ABA number must be in the ranges 00 through 12, 21 through 32, 61 through 72, or 80.

The digits are assigned as follows:

The first two digits correspond to the 12 Federal Reserve Banks as follows:

Primary Thrift Electronic Federal Reserve Bank
01 21 61 Boston
02 22 62 New York
03 23 63 Philadelphia
04 24 64 Cleveland
05 25 65 Richmond
06 26 66 Atlanta
07 27 67 Chicago
08 28 68 St. Louis
09 29 69 Minneapolis
10 30 70 Kansas City
11 31 71 Dallas
12 32 72 San Francisco

[edit] Internal checksums

The number must pass a checksum test using a position-weighted sum of each of the digits.

  • The following condition must hold: (3d1 + 7d2 + d3 + 3d4 + 7d5 + d6 + 3d7 + 7d8 + d9)mod 10 = 0.

As an example, consider 111000025 (which is a valid routing number of Bank of America in Texas). Applying the formula, we get: (3 * 1 + 7 * 1 + 1 + 3 * 0 + 7 * 0 + 0 + 3 * 0 + 7 * 2 + 5)mod 10 = (30)mod 10 = 0.

[edit] Canadian transit number

Canadian transit numbers are regulated by the Canadian payments association. A number has the following form:

XXXXX-YYY

where XXXXX is a Branch Number, and YYY is a Institution Number. The dash between the two parts is an integral part of the routing number, making 9 symbols in total.

As a general rule, Bank institution numbers start with 0, 2, 3, or 6, Credit Union and Caisse Populaire institution numbers start with 8, and Trust Company institution numbers with 5.

Examples:


In a Canadian bank transit number, the last digit of the branch number, with few exceptions, indicates the geographical location of the branch. For example, the number 58876-004 indicates that the associated account is held at an Eastern Ontario branch of TD Canada Trust (58876 is the branch number, and 004 is the institution number).

Branch codes ending with:

Please see http://www.cdnpay.ca/rules/pdfs_rules/rule_d4.pdf for a listing of current and historical financial institution ID numbers.

[edit] See also

General Category

Canada has similar but different transaction routing structures

[edit] External links

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