Business & Finance Personal Finance

What Do the Routing Numbers Represent on Checks?

    Identification

    • Routing numbers--also called ABA numbers--on checks are essentially an identification number specific to each banking institution that is a member of the American Banking Association.

    Misconceptions

    • Check routing numbers are only ever 9 digits long, according to Nebraska University. People often confuse this with the account number, which resides next to the routing number.

    Types

    • Paper checks, electronic transfers--such as a direct deposit--and wire transfers each have their own routing number.

    Warning

    • Large banks usually break up large states such as California, Illinois, Florida, Missouri and Texas into different regions and give them their own routing number.

    Tips

    • For consumers who do not know their routing number, RoutingNumbers.org allows people to query their database of routing numbers.

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