Where to find your routing number in seconds
Your bank's routing number is printed on the bottom left of every check you write — it's the first set of nine digits, before your account number. If you don't have checks in front of you, log into your bank's website or mobile app, go to account details or settings, and look for "routing number" or "ABA number" (they mean the same thing). You can also call your bank's customer service line and ask; they'll give it to you over the phone.
If you've switched banks or closed your account, you can still find the old routing number through an online search. Type your bank's name plus "routing number" into a search engine, or visit the American Bankers Association's routing number lookup tool at routingnumberlookup.org. You'll need to know your state to narrow the results, since some large banks have different routing numbers by region.
Key Takeaways
- The routing number appears on the bottom left of your checks as a nine-digit code, before your account number.
- Your bank's website, mobile app, or customer service phone line will show your routing number under account details or settings.
- Different branches of the same bank sometimes use different routing numbers, so confirm you have the right one for your location.
- The American Bankers Association's online lookup tool lets you search by bank name and state if you don't have access to your account.
Finding it through your bank's website or app
Log in to your online banking account and navigate to the section labeled "Account Details," "Account Information," or "Settings." Most banks display the routing number alongside your account number in this area. Some banks hide it under a "View Account Numbers" link or behind a security question to prevent unauthorized access.
If you use your bank's mobile app, the process is usually the same. Open the app, find your account summary, and tap into the account details section. The routing number should appear there. If you can't locate it after checking these common spots, use the app's search function to look for "routing" or "ABA," or contact your bank's support team through the app's messaging feature.
Calling your bank directly
Pick up the phone and call the customer service number on the back of your debit card or the number listed on your bank's website. Tell the representative you need your routing number. They'll ask you to verify your identity — usually by providing your account number, Social Security number, or answers to security questions — and then read the nine-digit code to you.
This method works even if you've lost access to your online account or don't have checks. It's also the fastest way if you need the number right now and don't want to search through documents or websites. Keep a pen handy so you can write it down as the representative reads it.
Using the ABA routing number lookup tool
The American Bankers Association maintains a free online database at routingnumberlookup.org. Enter your bank's name and the state where your account is held, then search. The tool will return the routing number for that bank in that state.
This method is useful if you've closed an account and no longer have access to that bank's website, or if you're trying to find a routing number for a bank you don't currently use. The lookup tool covers nearly all U.S. banks and credit unions. If your bank doesn't appear, it may be a very small local institution; in that case, call the bank directly or search for "[Bank Name] routing number [State]" online.
Why routing numbers differ by location
Large national banks often have multiple routing numbers — one for each state or region where they operate. This is because the routing number originally identified the specific physical branch where your account was held. Even though most banking is now digital, the system hasn't fully consolidated, so you need the routing number that matches your account's location, not just your bank's name.
When you search for your routing number, always specify your state. If you move to a different state and keep the same bank, your routing number may change. Contact your bank to confirm whether your routing number has changed, or check your account details again after your move.
What to do if you can't find it
If you've searched your checks, your bank's website, and the ABA lookup tool and still haven't found the number, call your bank's main customer service line. Have your account number ready. The representative can tell you the routing number in under a minute and can also confirm whether you need a different routing number for a specific transaction (like setting up direct deposit or a wire transfer).
Some banks also print the routing number on statements mailed to your home. If you have an old statement, check the bottom of the first page. If you're trying to find a routing number for a bank you no longer use, the bank's website archive or a call to their customer service will still work — banks keep this information available even after you close your account.
Frequently Asked Questions
Is my routing number the same as my account number?
No. Your routing number identifies your bank or branch; your account number identifies your specific account at that bank. On a check, the routing number is the first nine digits at the bottom left, and your account number comes after it. You need both for direct deposit or wire transfers.
Do I need a different routing number for wire transfers?
Usually no — the same routing number works for direct deposit, bill pay, and wire transfers. However, some banks use a different routing number specifically for wire transfers. Before sending a wire, ask your bank whether you should use your standard routing number or a wire-specific one.
Can I use someone else's routing number by mistake?
If you use the wrong routing number, the money will go to the wrong bank, and the transaction may fail or be delayed while it's sorted out. Always double-check the routing number before submitting it for direct deposit or a transfer. If you make a mistake, contact your bank immediately to stop or redirect the transaction.
What if my bank merged with another bank?
After a merger, your routing number may stay the same or change depending on how the banks consolidated their systems. Check your most recent statement or log into your account to see your current routing number. If you're unsure, call your bank and confirm the routing number for your account.
Is the routing number printed on debit cards?
No. Debit cards show your card number and expiration date, but not your routing number. You'll find it on checks, in your online account, or by calling your bank. The routing number is tied to your bank account, not your card.