Where to find your routing number right now
Your routing number is printed on the bottom left of your checks, if you have them. It is a nine-digit code that comes before your account number. If you do not have checks or cannot find them, the fastest way is to log into your bank's website or mobile app — most banks display it in the account details or settings section, sometimes labeled "routing number," "ABA number," or "bank routing code."
If you cannot access your online account, call your bank's customer service number on the back of your debit card or on your bank statement. Have your account number ready, and they will give you the routing number in under a minute. You can also visit your bank's branch in person and ask a teller.
For banks without physical branches — online-only banks — the routing number is usually on their website under "banking information" or "account details." Some online banks display it during account setup or in your account settings.
Key Takeaways
- Your routing number appears on the bottom left of your checks, before your account number.
- Log into your bank's website or app and look in account details or settings to find it without a check.
- Call your bank's customer service line with your account number and they will provide the routing number when ready.
- Online-only banks post their routing number on their website, usually under account or banking information.
- The routing number is always nine digits and is specific to your bank's location, not to your individual account.
What the routing number actually does
The routing number tells the banking system which bank to send money to. When you set up direct deposit at work, provide it for a wire transfer, or arrange automatic bill payments, you are giving the other bank or company instructions on where to find your account. Without it, the money goes nowhere.
The routing number is tied to your bank's location and branch, not to you personally. This means everyone at the same bank branch has the same routing number, but your account number is unique to you. Together, the two numbers form the complete address for your money.
Different routing numbers for different transaction types
Some larger banks have more than one routing number. A bank might use one routing number for wire transfers and a different one for ACH transfers (the system used for direct deposit and automatic bill pay). This is less common at smaller banks and credit unions, which typically have just one.
If you are setting up a specific type of transfer — like direct deposit or a wire — ask your bank or the company requesting the number which routing number to use. They usually know which one they need. If you are unsure, the main routing number on your checks or in your account details works for most everyday transactions.
Finding a routing number for a bank you do not use
If you need to send money to someone at a different bank, you need their routing number, not yours. Ask them directly — it is not private information. They can find it the same way you found yours: on a check, in their online account, or by calling their bank.
You can also search for a routing number using the Federal Reserve's routing number lookup tool on their website, or use a bank search tool on your own bank's website. You will need the name of the bank and the state where their branch is located.
Routing numbers for credit unions and smaller banks
Credit unions and smaller regional banks work the same way as large banks — they have routing numbers, and you find them the same places. Log into your account online, check your checks, or call customer service. The process does not change based on bank size.
Credit unions sometimes use the term "routing transit number" instead of "routing number," but it is the same thing. If you see that term on your credit union's website or statements, that is your routing number.
What to do if you cannot find your routing number
If your bank's website does not display it clearly and you cannot reach customer service, visit a branch in person. Bring your ID and account number. A teller can write it down for you in seconds.
If your bank has closed or merged with another bank, contact the bank that took over the account. They can tell you the new routing number. Your account number may also have changed, so ask for both.
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 — the routing number is the first set of nine digits on the bottom left, and your account number comes after it.
Can I use the same routing number for wire transfers and direct deposit?
Usually yes, but some large banks have separate routing numbers for different transaction types. When you set up a wire transfer or direct deposit, the company or employer will tell you which routing number they need. If you are unsure, ask your bank.
What if I give someone the wrong routing number?
The money will not reach your account — it will either go to the wrong bank or be returned to the sender. If this happens, contact your bank and the sender right away. They can trace the transfer and reroute it, but it may take several business days.
Do I need my routing number to receive a wire transfer?
Yes. The person sending you money needs both your routing number and your account number. Make sure you give them the correct routing number for your bank, not for a different bank.
Is it safe to share my routing number?
Yes. Your routing number is not secret — it is printed on every check you write. Someone with only your routing number cannot access your account without your account number as well. However, do not share your account number or routing number with anyone you do not trust.