Where to find your routing number right now
Your bank's routing number is printed on the bottom left of every check you have. Look at the first set of nine digits before the account number — that is your routing number. If you do not have checks, you can find it three other ways: log into your online banking account and look for it under account details or settings; call your bank's customer service line and give them your account number; or visit your bank's website and search for "routing number" plus your state and branch location.
The routing number is specific to your bank and the branch where you opened your account. If you moved or your bank merged with another, the routing number may have changed. The safest approach is to get it directly from your bank rather than searching online, because scam sites sometimes list incorrect numbers to intercept payments.
Key Takeaways
- Your routing number appears on the bottom left of your checks as a nine-digit code, before your account number.
- You can find it by logging into online banking, calling your bank's customer service line, or visiting your bank's official website.
- Each bank branch may have a different routing number, so confirm you have the one for your specific branch.
- Never use a routing number from an online search result — always verify it directly with your bank before sending money.
Getting it from your bank's website
Go to your bank's official website and look for a link labeled "routing number," "bank information," or "customer service." Most banks list routing numbers by state and branch location. Enter your state and the city where you opened your account, and the site will show you the nine-digit number. Some banks also list it under "wire transfer information" or "ACH details."
If you cannot find it on the main website, try searching within the site for your branch address. Many banks maintain a branch locator tool that shows the routing number for each location. Write down the exact number and double-check it against a check if you have one, because a single wrong digit will send money to the wrong place.
Calling your bank directly
The phone number for customer service is on the back of your debit card, on your bank statements, or on your bank's website. When you call, have your account number ready. Tell the representative you need the routing number for your account, and they will give it to you immediately. Ask them to spell it out or repeat it so you have it exactly right.
This is the slowest method if you need the number right away, because you may wait on hold. But it is the most reliable way to confirm the correct number for your specific branch, especially if your bank has multiple locations in your area.
Using online banking to find it
Log into your bank's app or website with your username and password. Look for a section called "account details," "account information," "settings," or "my accounts." The routing number is usually listed alongside your account number. Some banks put it under a tab for "wire transfer details" or "direct deposit setup."
If you cannot find it in the obvious places, try the help or FAQ section and search for "routing number." Many banks have a dedicated page that explains where to find it. Screenshot or write down the number so you have it saved for later use.
What to do if your bank merged or you switched banks
If your bank was acquired by another bank, your routing number may have changed. The old number might still work for a few months, but it will eventually stop. Contact your new bank to confirm your current routing number, or check your most recent statement — banks usually print the updated number there.
If you switched to a completely different bank, you need that bank's routing number, not your old one. Do not assume the numbers are the same. Get the new routing number from your new bank before you set up direct deposit or wire transfers.
Routing numbers for wire transfers and ACH payments
The routing number you use for wire transfers is sometimes different from the one for ACH payments (like direct deposit or bill pay). Wire transfer routing numbers are often called "ABA routing numbers." ACH routing numbers are sometimes listed separately. When you are setting up a payment, the form will tell you which type you need.
If you are unsure which one to use, ask your bank. Giving the wrong type of routing number will not send money to a criminal — it will simply cause the payment to fail or be delayed. Your bank can tell you in seconds which number to use for what you are trying to do.
Frequently Asked Questions
Is the routing number the same for all branches of my bank?
No. Each branch usually has its own routing number. If your bank has locations in multiple states, the routing number depends on which state your account is registered in. Always use the routing number for the branch where you opened your account, not just any branch of that bank.
Can I use a routing number I found online?
You can, but it is risky. Scam websites sometimes list fake or outdated routing numbers to intercept payments. Always verify the number with your bank directly — by phone, through their official website, or through your online banking account — before you use it for money transfers.
What happens if I use the wrong routing number?
The payment will usually be rejected or delayed. The money may go to the wrong bank or sit in a queue until the error is caught. Your bank can help you track it down. A single wrong digit is enough to cause a problem, so double-check before you send.
Do I need a routing number to set up direct deposit?
Yes. Your employer or the organization sending you money will ask for your routing number and account number to deposit funds directly into your account. You can find both on a check, in your online banking account, or by calling your bank.
Is my routing number the same as my SWIFT code?
No. A routing number is used for domestic transfers within the United States. A SWIFT code is used for international wire transfers. If you are sending money outside the US, ask your bank for the SWIFT code, not the routing number.