Just to confuse things a bit, banks use different routing numbers for different types of transaction. This means the routing number printed on your cheque might not be the one you need for a wire transfer or Direct Debit, for example. Routing numbers are only for domestic and international transfers and transactions involving American bank accounts.
Different types of transaction use different routing numbers, so always check with the bank before you make your transfer. For many of us making an international payment can feel a little uneasy. Some of us have never made a payment, others have done it regularly but are you aware of all the potential pitfalls? You can also find your account number on your monthly statement. Download the U. Bank Mobile App Its streamlined, simple to use tools make banking easier.
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You are here:. For ZIP Edit. Find your U. Bank checking account routing number. There are two numbers you'll need to provide.
Measure ad performance. Select basic ads. Create a personalised ads profile. Select personalised ads. Apply market research to generate audience insights. Measure content performance. Develop and improve products. List of Partners vendors. Every bank-related financial transaction requires two key pieces of information to identify customers: the routing number and the account number, both of which are assigned when you open an account.
Account numbers are a lot like a customer ID, or fingerprint, that is specific to each account holder. Similarly, routing numbers identify each banking institution with a unique numerical ID. Routing and account numbers are assigned to indicate exactly where funds in a transaction are coming from and going to.
Any time you make an electronic funds transfer , for instance, both the routing and account numbers must be provided to the relevant financial institutions. The routing number sometimes referred to as an ABA routing number, in regard to the American Bankers Association is a sequence of nine digits used by banks to identify specific financial institutions within the United States.
This number proves that the bank is a federal- or state-chartered institution and that it maintains an account with the Federal Reserve. Small banks generally possess just one routing number, while large multinational banks can have several different ones, usually based on the state in which you hold the account. Routing numbers are most commonly required when reordering checks, for payment of consumer bills, to establish a direct deposit such as a paycheck , or for tax payments.
The routing numbers used for domestic and international wire transfers are not the same as those listed on your checks.
However, they can easily be obtained online or by contacting your bank. The account number works in conjunction with the routing number. While the routing number identifies the name of the financial institution , the account number—usually between eight and 12 digits—identifies your individual account.
If you hold two accounts at the same bank, the routing numbers will, in most cases, be the same, but your account numbers will be different. Your account number is required for every conceivable banking transaction , whether within the bank where the account is held or between banking institutions.
Anyone can locate a bank's routing number, but your account number is unique to you, so it is important to guard it, just as you would your Social Security number or PIN code.
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