Where to find your routing number in seconds
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 in three other places: your bank's website, a call to customer service, or by logging into your online banking app.
The routing number is the same for everyone at your bank in the same state. It does not change when you move money or close accounts. You need it to set up direct deposit, arrange wire transfers, or let someone else send you money through ACH (Automated Clearing House) transfers.
Key Takeaways
- Your routing number appears on the bottom left of your checks, before your account number.
- The routing number is specific to your bank and the state where your account is held, and it stays the same for the life of your account.
- You can find it on your bank's website, in your online banking app, or by calling customer service if you do not have checks.
- Some banks have different routing numbers for different transaction types, so confirm you have the right one for what you are doing.
Finding it on your bank's website
Most banks post their routing number on the homepage or in a help section labeled "Routing Number," "Bank Information," or "Wire Transfer Instructions." Search the site for "routing number" using your browser's find function (Ctrl+F on Windows, Cmd+F on Mac) to locate it faster.
If you cannot find it on the main site, look under account services or frequently asked questions. Some banks hide it behind a login — you may need to sign into your account to see it. If the website does not list it clearly, call the number on the back of your debit card and ask.
Getting it from your online banking app
Log into your bank's mobile app or online banking portal. Look for a section called "Account Details," "Account Information," or "My Accounts." Tap or click on the account you want the routing number for — the routing number usually appears alongside your account number.
Some apps require you to navigate to settings or account preferences to see it. If you see an option to view "bank details" or "account and routing information," that is where it will be. Take a screenshot or write it down before you close the app.
Calling your bank directly
Call the customer service number on the back of your debit card or the number listed on your bank's website. Tell them you need your routing number. They will ask you to verify your identity — usually your account number and the last four digits of your Social Security number — then give it to you when ready.
This is the fastest option if you are in a hurry and do not have checks. Keep the number handy once they give it to you, because you will use it repeatedly for direct deposit forms, wire transfer requests, and ACH payments.
Understanding routing numbers for different transaction types
Most banks use one routing number for all transactions. However, some large banks maintain separate routing numbers for wire transfers, ACH transfers, and check clearing. If you are setting up a wire transfer, confirm with your bank that you have the correct routing number for that specific transaction type.
Your bank's website or customer service can tell you whether you need a different number. When in doubt, ask the person or organization requesting the routing number which type of transaction they are processing — they can then tell you which number to use.
What to do if your bank has merged or changed names
If your bank was acquired by another bank or changed its name, your routing number may have changed. Check your most recent statement or call customer service to confirm. Some banks grandfather old routing numbers for a period of time, but you should use the current one to avoid delays.
If you have old checks printed with the previous routing number, they may still work for a few months, but do not rely on it. Order new checks or use online banking and bill pay instead.
Frequently Asked Questions
Is my routing number the same as my account number?
No. Your routing number identifies your bank and state; your account number identifies your specific account at that bank. Both appear on your checks — the routing number is the first nine digits at the bottom left, and your account number comes after it.
Can I use someone else's routing number to send them money?
Yes. The routing number is public information — it is the same for everyone at that bank in that state. You need their routing number and their account number to send them an ACH transfer or set up direct deposit to their account.
What if I have multiple accounts at the same bank?
All your accounts at the same bank in the same state share the same routing number. The routing number does not change between your checking account, savings account, or money market account. You only need to specify which account you want the money to go to by providing the account number.
Do I need my routing number to use my debit card?
No. You only need your routing number when someone else is sending you money (direct deposit, ACH transfer) or when you are initiating a transfer or wire from your bank. Debit card purchases and ATM withdrawals do not require it.
What if my bank does not have a website or I cannot reach them?
You can search for your bank's routing number on the Federal Reserve's routing number database at fedachdirectory.frb.org. Enter your bank name and state, and it will return the routing number. This works for any bank in the United States.