Your routing number is on the bottom left of every check you write
The routing number is a nine-digit code that identifies your bank or credit union. On a paper check, it appears in the bottom left corner, printed in magnetic ink. The format is always nine digits with no letters or symbols. If you have checks from your account, you can read it directly without calling anyone or logging in.
The routing number stays the same for your entire account at that bank. It does not change if you move, switch account types, or update your address. Different branches of the same bank use the same routing number, so location does not matter.
Key Takeaways
- Your routing number appears in the bottom left corner of any check from your account, printed in magnetic ink as a nine-digit code.
- If you do not have checks, your bank's website or mobile app will display your routing number in the account details section.
- You can also call your bank's customer service line and provide your account number to get your routing number read to you over the phone.
- The routing number is specific to your bank or credit union, not to you personally, so it is the same for all customers at that institution.
- Some banks print the routing number on debit cards or statements, though checks remain the most reliable source.
Finding your routing number online or in your app
Log into your bank's website or mobile app and navigate to your account details or account information section. Most banks display the routing number alongside your account number in a single view. The label may say "routing number," "ABA number," or "transit number" depending on your bank.
If you cannot locate it in the main account details area, check your account statements. Many banks print the routing number at the top or bottom of monthly statements, often next to the account number. Digital statements work the same way as paper ones.
Calling your bank to get the number
Call the customer service number on the back of your debit card or on your bank's website. Have your account number ready. Tell the representative you need your routing number, and they will provide it immediately. This takes less than a minute.
If you are calling from outside the country or do not have access to your debit card, search online for "[Your Bank Name] routing number" plus your state. Most banks publish routing numbers for each state or region on their website, since different branches may use different numbers depending on where the account was opened.
Checking your debit card or bank statements
Some banks print the routing number directly on the debit card itself, usually on the front or back near the account number. This is not universal—many banks do not include it on the card—but if yours does, you have the number without opening anything.
Paper bank statements often list the routing number at the top of the first page or in the account summary section. If you receive statements by mail, the routing number should be there. Digital statements display it in the same location.
What to do if you cannot find it
If you have no checks, cannot access your online account, and do not have your statement, call your bank directly. You will need to verify your identity with your account number, Social Security number, or other information the bank uses to confirm you own the account. Once verified, they will give you the routing number.
Do not rely on routing numbers you find through a third-party website or search result unless you verify it against an official source first. Scammers sometimes publish incorrect numbers to intercept payments. Always confirm with your bank directly before using a routing number for a wire transfer or automatic payment.
Routing numbers for credit unions and online banks
Credit unions operate the same way as traditional banks. Your routing number is in your checks, on your statement, or in your online account portal. If you are unsure, call the credit union's main line and ask for your routing number.
Online banks like Ally, Charles Schwab, or Chime display routing numbers in the account details section of their app or website. Some online banks have multiple routing numbers depending on the type of transaction (ACH transfers versus wire transfers), so check which one you need before you use it. The bank's customer service can clarify which routing number to provide for your specific situation.
Frequently Asked Questions
Is my routing number the same as my account number?
No. Your routing number identifies your bank; your account number identifies your specific account at that bank. Both appear on your checks, with the routing number on the far left and the account number in the middle. You need both for wire transfers and some automatic payments.
Can I use the same routing number for wire transfers and ACH transfers?
Usually yes, but some banks have different routing numbers for different transaction types. Check with your bank before initiating a transfer. The account details section of your online banking portal often specifies which routing number to use for each type of transfer.
What if my bank has multiple routing numbers?
Larger banks sometimes maintain different routing numbers for different regions or branches. If you opened your account at a specific branch, that branch's routing number may differ from another location. Your statement or online account details will show the correct one for your account. When in doubt, call and confirm.
Do I need my routing number to access my account online?
No. You log into your online banking with your username and password or account number and PIN. The routing number is only needed when you are sending or receiving money from outside your bank, such as setting up direct deposit or making a wire transfer.
Will my routing number change if I move to a different state?
No. Your routing number is tied to your bank, not your location. Moving does not change it. If you switch banks, you will get a new routing number because you have a new bank.