Which routing number should you use?

Banks use different routing numbers for different types of transactions. For this reason, the routing number printed on your checks might not be the same number you need for an ACH transfer or direct debit.

If you’re not sure which routing number you’ll need for a particular transfer type, you should check with your bank beforehand. Careful. Using the wrong number can lead to delays in processing the transfer.

Routing Number vs Account number

Bank account numbers and routing numbers are used in conjunction, but are different. The former identifies a bank or a financial institution, whereas the latter – an account number, is a unique number between eight and 12 digits representing any account you hold at your bank.

Routing numbers, on the other hand, are used to identify banks when processing domestic checks, and electronic payments or wire transfers in the United States.

Routing Numbers FAQs

What is an ACH routing number?

Similarly to ABA routing numberACH routing number, is a nine digit code that a financial institution or a bank is using to clear electronic transfers (that are processed by the Automated Clearing House). All ACH routing numbers are ABA routing numbers, but not all ABA routing numbers are ACH routing numbers (although some are).