Understanding Routing Numbers: How to Locate Bank Accounts

All checks must have a routing number to be valid.

Routing numbers were established in the early 1900's to identify specific banks. A routing number is a nine-digit number that is assigned to each bank. Routing numbers are shown on all checks and allow for computerized systems to withdrawn money from the correct bank and account. Even temporary checks have routing numbers printed on the checks. Routing numbers are also used when setting up direct deposits, and if you pay a bill with a check by phone, you will be required to provide the routing number and account number.

Routing Number Location

Step 1

Find the routing number on the check. The routing number is always located on the bottom of a check. The number is nine-digits long and is located before your account number in most instances. The digits at the bottom of your check are your routing number, account number and check number.

Step 2

Visit Routing Numbers, Greg Thatcher or Swift Codes Info websites (see Resources). You do not need to visit all three sites. Each one is designed to have you enter the routing number to determine what bank is associated with the routing number.

Step 3

Enter in the routing number in the box and hit enter. The name of the bank associated with the routing number will be displayed. As an additional function, you can enter a bank name to find the routing number.