What Is a Routing Number? Definition and Where to Find Yours

This nine-digit number identifies your bank in a financial transaction. You'll need to know it for tasks such as filing taxes or setting up direct deposit.

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You’ve seen them in relation to your bank account, and shared them with your employers when setting up direct deposit for your paycheck. They’re routing numbers: that string of digits in the bottom left corner of your check.

What is a routing number?

Routing numbers are nine-digit numbers that identify your bank or credit union in a financial transaction. The numbers were adopted by the banking industry in 1910 to make transactions quicker and more efficient. With each bank having one specific number assigned to it, the chances of miscommunication are reduced. So even if two banks have similar names, they’re clearly distinct from one another because of their different routing numbers.

Skip to routing numbers at the three largest banks:

Understanding the parts of a check

1. Your personal information 2. Check number 3. Date the check was written 4. Recipient's name 5. Payment amount

6. Memo line 7. Name of the bank 8. Routing number 9. Account number 10. Your signature

When you’ll need your routing number

You’ll need your routing number in a variety of situations, including setting up direct deposit, automatic loan payments or recurring transfers like bill payments.

You’ll also need it when you file taxes to receive your tax refund or debit a tax payment, or when you conduct Automated Clearing House, or ACH, transfers between accounts at different banks.

You will only need your routing number when funds are being directly transferred to or from your bank account — never for debit card or credit card purchases.

How to find your routing number

You can find your routing number at the bottom left corner of your personal checks. It’s the first nine digits of the long line of numbers there. Called the magnetic ink character recognition line, that string of numbers contains your routing number, account number and the check number, listed in that order.

If you don’t have a check handy, you can also find your routing number in the following places:

  • Your bank statement

  • Your bank’s website or mobile app

  • Through your bank’s phone customer service

  • The American Bankers Association’s routing number lookup

Be aware that routing numbers can change. Financial institutions can close branches, reorganize their operations or change the purpose of a routing number, all of which can affect the number connected to your account. Confirm your routing number with your bank before using it to avoid giving out the wrong number.

» Paying by check for the first time? Learn how to write a check correctly

Each bank has at least one routing number, although larger banks can have more. At a bank with multiple routing numbers, they can change depending on the location where you opened your account and the type of transaction you’re making.

If you live in Texas, for example, your routing number to set up direct deposit can be different from your friend’s in California, and different from your mom’s when she’s accepting an incoming wire transfer — even if the three of you use the same bank.

Bank of America routing numbers

Confirm that your state's routing number below is the same on your checks or logged-in online account.

Disclaimer: These are Bank of America routing numbers for checking accounts for electronic payments only. Some states or regions have different routing numbers for checks and electronic payments. In most cases, there are separate routing numbers for wire transfers as well.

State

Routing number

Alabama

051000017

Alaska

051000017

Arizona

122101706

Arkansas

082000073

California

121000358

Colorado

123103716

Connecticut

011900254

Delaware

031202084

Washington, D.C.

054001204

Florida

063100277

Georgia

061000052

Hawaii

051000017

Idaho

123103716

Illinois (South and Chicago Metro)

081904808

Illinois (North)

071000505

Indiana

071214579

Iowa

073000176

Kansas

101100045

Kentucky

064000020

Louisiana

051000017

Maine

011200365

Maryland

052001633

Massachusetts

011000138

Michigan

072000805

Minnesota

071214579

Mississippi

051000017

Missouri

081000032

Montana

051000017

Nebraska

051000017

Nevada

122400724

New Hampshire

011400495

New Jersey

021200339

New Mexico

107000327

New York

021000322

North Carolina

053000196

North Dakota

051000017

Ohio

071214579

Oklahoma

103000017

Oregon

323070380

Pennsylvania

031202084

Rhode Island

011500010

South Carolina

053904483

South Dakota

051000017

Tennessee

064000020

Texas

111000025

Utah

123103716

Vermont

051000017

Virginia

051000017

Washington

125000024

West Virginia

051000017

Wisconsin

051000017

Wyoming

051000017

Chase routing numbers

Confirm that your state's routing number below is the same on your checks or logged-in online account.

Disclaimer: These are Chase routing numbers by state for business accounts. NerdWallet independently confirmed that California's personal and business routing numbers are identical but could not confirm all routing numbers for personal accounts by state.

State

Routing Number

Arizona

122100024

California

322271627

Colorado

102001017

Connecticut

021100361

Florida

267084131

Georgia

061092387

Idaho

123271978

Illinois

071000013

Indiana

074000010

Kentucky

083000137

Louisiana

065400137

Michigan

072000326

Nevada

322271627

New Jersey

021202337

New York (Downstate)

021000021

New York (Upstate)

022300173

Ohio

044000037

Oklahoma

103000648

Oregon

325070760

Texas

111000614

Utah

124001545

Washington

325070760

West Virginia

051900366

Wisconsin

075000019

Wells Fargo routing numbers

Confirm that your state's routing number below is the same on your checks or logged-in online account.

Disclaimer: These are Wells Fargo routing numbers for checking accounts that aren't used for wire transfers. There are two for California, but the one listed below works across the state.

State

Routing number

Alabama

062000080

Alaska

125200057

Arizona

122105278

Arkansas

111900659

California

121042882

Colorado

102000076

Connecticut

021101108

Delaware

031100869

Washington, D.C.

054001220

Florida

063107513

Georgia

061000227

Hawaii

121042882

Idaho

124103799

Illinois

071101307

Indiana

074900275

Iowa

073000228

Kansas

101089292

Kentucky

121042882

Louisiana

121042882

Maine

121042882

Maryland

055003201

Massachusetts

121042882

Michigan

091101455

Minnesota

091000019

Mississippi

062203751

Missouri

113105449

Montana

092905278

Nebraska

104000058

Nevada

321270742

New Hampshire

121042882

New Jersey

021200025

New Mexico

107002192

New York

026012881

North Carolina

053000219

North Dakota

091300010

Ohio

041215537

Oklahoma

121042882

Oregon

123006800

Pennsylvania

031000503

Rhode Island

121042882

South Carolina

053207766

South Dakota

091400046

Tennessee

064003768

Texas

111900659

Texas (El Paso)

112000066

Utah

124002971

Vermont

121042882

Virginia

051400549

Washington

125008547

West Virginia

121042882

Wisconsin

075911988

Wyoming

102301092

Frequently asked questions

A routing number identifies a specific bank whereas an account number identifies a personal bank account. The routing number is the first nine-digit number in the bottom left corner of a check. It’s immediately followed by the account number.

The routing number is the first nine-digit number in the bottom left corner of a check.

You can find your bank’s routing number by contacting its customer service. You can also find it on your bank statement and via the bank’s website or mobile app.

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