Routing Number: Where To Find It on a Bank Statement

A routing number, also known as a routing transit number, is a nine-digit bank identification number. It helps you transfer money by ensuring it comes from and goes to the right places.

However, where exactly is the routing number on a bank statement, and what to do with it? Find out here.

Where Is The Routing Number On A Bank Statement?

The nine-digit routing number on your bank statement is written closely with your account number. These numbers correspond to:

• The Federal Reserve routing symbol (1st 4-digits)
• The American Bankers Association Institution identifier (2nd 4-digits)
• The check number (last 4-digits)

You can also find the routing number in the bottom left corner of a check. However, if you don’t have your bank statement with your or a check, you can find the routing number through the following options: 

Bank’s Website

1. Go online. Your bank may post its routing number online via its website or mobile banking app. 
2. Sign in to your bank account.
3. Go to “account information” or “account summary.” The routing number should be listed.

American Bankers Association( ABA) Online Lookup Tool 

The ABA website allows you to use their free Routing Number Lookup tool to find up to two routing numbers per day for 10 per month.

You can also call your local branch’s customer representative or just visit its website, but double-check that the routing number you get corresponds to the transaction you want to make.

Do Routing Transit Numbers Change?

The answer is yes. It happens when banks merge and/or acquire other banks, but the employees will notify of these changes usually a month before the transition takes effect.

Things to remember once the changes happen:

Get New Paper Checks

Your bank permits you to use the old ones until everything is used. Once run out, you can ask for another set or new checks.

Reassess Your Bank Statements

Review your previous year’s bank statement and list all the recurring automatic transactions, such as scheduled deposits and automatic online payments.

Reconfigure Automatic Transactions

After listing it down, you must change each bank transaction’s routing number. The transaction may not be completed if it’s been deactivated and you are still using it. 

You must update your personal details online and contact your providers for bill payments. For direct deposits, you have to fill out some paperwork and provide the required things to finalize the process.

Bottom Line

Banking has never been easier when you can wire your money wherever and whenever you want. You can even make international transactions as you wish. 

It may not seem like an everyday need, but knowing your routing number and how it works would make your financial aspect of life a lot easier, like a walk in a park. Knowing where your funds came from and where it goes is an advantage. It is your hard-earned money, after all.