Your routing number is printed on the bottom left of your checks, or you can call your bank and ask

The routing number for a savings account is the same as for a checking account at the same bank — it identifies the bank itself, not the account type. You have three ways to find it: look at a check, call your bank's customer service line, or log into your online banking portal. The number you need is a nine-digit code that appears at the very bottom left of any check your bank issued to you.

If you do not have checks, your bank's website usually displays the routing number in the account settings or FAQ section. Some banks also print it on statements or debit cards, though this is less common. The routing number never changes for a given bank and branch, so once you have it, you can use it for any transfer involving that account.

Key Takeaways

  • The routing number for your savings account is the nine-digit code at the bottom left of any check your bank issued.
  • If you do not have checks, call your bank's customer service number on the back of your debit card or on their website.
  • Your bank's online portal or mobile app usually shows the routing number in account details or settings.
  • The routing number is the same across all account types at the same bank and branch — it identifies the bank, not your individual account.
  • You will also need your account number (usually printed next to the routing number on a check) when you send money to or from your savings account.

Finding the routing number on a paper check

Open a checkbook from your savings account and look at the bottom of any check. You will see three groups of numbers printed in a special magnetic ink format. The first group on the left is your routing number — always nine digits. The second group is your account number, which is usually longer. The third group is the check number itself.

The routing number appears in the same position on every check from your bank and branch. If you have checks from multiple banks, each will have a different routing number. If you have both a checking and savings account at the same bank, both sets of checks will show the same routing number, because the code identifies the bank location, not the account type.

Calling your bank to confirm the routing number

The fastest way to get your routing number if you do not have a check is to call your bank directly. Look for the customer service number on the back of your debit card, on your most recent statement, or on your bank's website. Tell the representative you need the routing number for your savings account and the specific branch where you opened it.

Have your account number ready when you call — the bank will ask for it to pull up your account. The representative will give you the nine-digit routing number over the phone. Write it down when ready, because you may need it again for future transfers. Some banks also ask which branch you use, since routing numbers can vary by location, though most large banks use a single routing number nationwide.

Checking your online banking portal or mobile app

Log into your bank's website or mobile app and navigate to your savings account details. Most banks display the routing number in a section labeled "Account Information," "Account Details," or "Transfer Information." The routing number is usually shown alongside your account number, making it straightforward to copy both at once.

If you cannot find it in the main account view, check the FAQ or Help section of your bank's website. Many banks have a dedicated page for routing numbers, sometimes labeled "Wire Transfer Information" or "ACH Transfer Details." This page often lists routing numbers for all the bank's branches, so make sure you select the one for your branch location if options are given.

Why banks have different routing numbers by location

Larger banks often maintain separate routing numbers for different regions or branches, though this varies widely. A bank with branches across multiple states might use one routing number for all locations, or it might assign different numbers to different regions. This matters because you need the routing number for the specific branch where your account is held, not just any branch of the bank.

When you call customer service or check online, the bank will show you the correct routing number for your account's branch. If you have moved or your branch has closed, your account may have been transferred to a new routing number — your bank will tell you if this has happened. Using the wrong routing number can delay a transfer or cause it to fail, so always confirm you have the right one for your specific branch.

What to do if you cannot locate your routing number

If you have tried checking a check, calling the bank, and looking online without success, contact your bank's customer service directly through their website's chat feature or by visiting a branch in person. Bring a photo ID and your debit card. A teller can print your routing number on the spot or write it down for you.

Some online banks or credit unions may not issue checks at all, making the phone call or online portal your only option. If your bank's website does not display the routing number anywhere, call the number on your debit card or statement. Customer service can always provide it, and the call usually takes less than five minutes.

Frequently Asked Questions

Is the routing number the same for checking and savings accounts at the same bank?

Yes. The routing number identifies the bank and branch, not the account type. Your checking and savings accounts at the same bank will have the same routing number. You distinguish between them using your account number, which is unique to each account.

Can I use a routing number from a different branch of my bank?

It depends on the bank. Some banks use one routing number for all branches nationwide, while others assign different numbers by region or location. Using the wrong routing number can cause delays or failed transfers. Always use the routing number for the branch where your account is held, or call your bank to confirm if you are unsure.

What if my bank merged with another bank — does my routing number change?

Your routing number may change after a merger, but your bank will notify you and update your account information. If you have automatic transfers set up, contact the other party (your employer, creditor, or whoever sends money to your account) to provide the new routing number. Your bank can tell you the effective date of any change.

Do I need my routing number to transfer money between my own accounts at the same bank?

Not always. Many banks let you move money between your own checking and savings accounts using their online portal or app without entering a routing number — the system recognizes both accounts as yours. However, if you are setting up an external transfer to a different bank, you will need both the routing number and account number of the receiving account.

Is it safe to share my routing number?

Yes. Your routing number is public information — it identifies the bank, not your individual account. You need to share it with employers for direct deposit, with creditors for automatic payments, and with anyone sending you money via bank transfer. Your account number is what protects your specific account, so keep that private. Never share your account number or PIN with anyone you do not trust completely.