How to Find the Routing Number on a Check (2024)

The routing number (also sometimes referred to as an ABA routing number or routing transit number) is one of the numbers that appear on a check. It serves as the bank or credit union’s identifier or ID. But if you look at a check, you’ll also see two more numbers: an account number and a check number located at the bottom of the check.

Here’s a more detailed breakdown of what they are specifically used for:

• Routing Number

A routing number is a nine-digit number that identifies a financial institution. It’s displayed on paper checks and is used for funds transfers, direct deposits, digital checks, and bill payments.

• Account Number

The account number identifies the individual or business checking account. It tells the bank where to withdraw funds when someone cashes a check. It’s also used for direct deposit and direct payments.

• Check Number

The check number helps the account holder keep accurate records of their transactions. The bank can also use it as a reference number to research account activity.

Routing numbers and account numbers are required for digital transactions. Check numbers are only required for paper or digital checks. When you write a check, it’s recommended that you record the check number and amount somewhere in case there’s a dispute later. Your bank or credit union may provide a check ledger you can use.

The account number is the longer of the two groups of numbers that follow the routing number. On some checks, the account number is immediately after the routing number. Other checks display the check number first. Note that character symbols are not part of either number sequence. Leading zeros are, so make sure you copy them if the bank asks for an account number.

Routing numbers are essential for many bank transactions. Common examples are for reordering checks, setting up direct deposit for your paycheck, or receiving an electronic tax refund.¹ Payment apps for your mobile phone may also require a routing and account number to send and receive funds.

Some people no longer use paper checks, so they can’t look for the nine digits displayed on a check. Thankfully, that’s not the only way to find routing numbers. You may be able to find your routing number in a couple of different ways:

• Online Banking

The routing and account number for a bank account are often available at the top of the dashboard of your online banking site.

• Monthly Statement

Your monthly statement should display your routing number on the first page. The full nine digits should be there. That’s different from your account number, which may be partially blocked out.