Your routing number is printed on the bottom left of every check you write
The routing number is a nine-digit code that identifies your specific bank or credit union. On a check, it appears as the first set of numbers on the bottom left edge, before your account number. If you have checks from your account, this is the fastest place to look.
The routing number stays the same for every check from that account. It does not change if you move, close and reopen the account, or update your address with the bank. It is tied to the bank branch or institution itself, not to you personally.
Key Takeaways
- Your routing number is the nine-digit code printed on the bottom left of your checks, before your account number.
- You can find it online by logging into your bank's website or mobile app under account details or settings.
- Calling your bank's customer service line and providing your account number will get you the routing number in under a minute.
- The routing number is specific to your bank or branch, not to you, and it never changes.
- You need the routing number for direct deposit, wire transfers, ACH payments, and tax refund delivery.
Check your bank's website or mobile app
Log into your online banking account and look for a section labeled "Account Details," "Account Information," or "Routing and Account Numbers." Most banks display both numbers together on this page. The routing number is usually listed first.
If you cannot find it in the main account section, try looking under settings or the help menu. Some banks hide it under a link that says "Direct Deposit Information" or "Wire Transfer Details" because those are the most common reasons people need it. The mobile app often has the same information as the website version.
Call your bank and ask
Phone your bank's customer service number, which is usually printed on the back of your debit card or on your monthly statement. Have your account number ready. Tell the representative you need your routing number, and they will give it to you immediately.
This method works even if you do not have checks or online access. It takes less than a minute and requires no paperwork. If you are calling about a refund that needs the routing number, mention that to the representative—they may be able to update it directly in some cases.
Visit your bank in person
Walk into any branch of your bank with your debit card or ID. Ask a teller for your routing number. They can write it down for you or print it on a slip of paper. This is useful if you need it immediately and do not have online access or a phone.
You do not need an appointment. Any teller can provide this information in under five minutes. If your bank has multiple branches, the routing number is the same at all of them.
Look it up using the Federal Reserve's routing number database
The Federal Reserve maintains a public database of routing numbers at frbservices.org. Go to the "Fedwire" section and use the routing number lookup tool. You will need to know your bank's name and state to search.
This method works if you have lost your checks and cannot reach your bank by phone. It is slower than calling or checking online, but it is free and requires no login. The database is updated regularly and is the official source that banks themselves use.
What to do if you cannot find your routing number
If you have tried the methods above and still cannot locate it, contact your bank's customer service directly. Have your full account number, Social Security number, and a form of ID ready. The bank will verify your identity before providing the number.
If you are waiting for a tax refund or other government payment and need the routing number urgently, you can usually provide it later. Most refund programs allow you to update your banking information after you submit your initial request. Call the program directly to ask whether you can add it later or whether it must be included upfront.
Routing number versus account number
These are two different nine-digit codes that often appear together on your checks. The routing number identifies your bank. The account number identifies your specific account within that bank. You need both for direct deposit, wire transfers, and most refund deliveries.
On a check, the routing number is on the far left of the bottom line. The account number is in the middle. Some banks print them in a different order or format, so if you are unsure which is which, call your bank or check your online account details to confirm.
Frequently Asked Questions
Do I need a routing number to receive a tax refund?
Yes, if you want the refund deposited directly into your checking account. You will need both your routing number and account number. If you do not provide them, you can request a check by mail instead, though it takes longer to arrive.
Is my routing number the same at every branch of my bank?
Usually yes. Most banks use one routing number for the entire institution. Some very large banks have multiple routing numbers based on region or the type of account, but this is uncommon. If you are unsure, ask your bank or check your online account details.
Can someone use my routing number to steal money from my account?
A routing number alone cannot be used to withdraw money. Someone would also need your account number and usually additional verification. Routing numbers are not secret—they are printed on every check you write. Treat your account number with more caution.
What if my bank merged with another bank?
Your routing number may change after a merger. Log into your online account or call customer service to confirm your current routing number. If you have old checks, do not assume the routing number is still correct. Update any pending direct deposits or automatic payments with your new number.
Can I use the routing number from an old closed account?
No. Once an account is closed, that routing number should not be used for new transactions. If you have opened a new account at the same bank, get the routing number for the new account. Using an old routing number may cause your refund or payment to be rejected or delayed.