Are you looking for how to find bank routing number from check, you’re at the right, as i’ve explained how you can get your routing number for wire or money transfer.
As you prepare to send money domestically or internationally, one of the numbers that you’ll want to have on hand is your routing number. Without the correct routing for your bank, the money transfer can’t go through, it will bounce back. That’s why it is advisable to get the correct routing and the number one best way is getting bank routing number from check.
A routing number is a 9-digit code that will be used to identify your bank account or the bank that you’re banking with. It may also be known as an RTN, an ABA routing number, or a routing transit number.
This is mainly used in the United States, banks like wells fargo, Chase, bank of America, usaa etc use routing numbers to direct the exchange of funds to and from one another.
There are several situations in which you’ll be asked for your routing number. For example, if you’re making a payment by phone or online, or if you’re making automatic bill payments, you’ll need to provide your account number and routing number.
Also, if you’re processing checks or transferring money internationally, you’ll be asked to provide your routing number, so the banks will know precisely where the money needs to go.
Your bank will be able to tell you which routing number to use for the task that you’re hoping to accomplish. Routing numbers on checks might be different from the routing numbers required for performing wire transfers, so it’s a good idea to look them up online in order to avoid processing delays.
How to find bank routing number from check
Finding banking routing number on check is so easy, all you need to do is to get your check or your bank check, look at the bottom of the check and you will see the routing number. Like i said before, it is a nine(9) digit code or number, cause you will also see other numbers there which includes your account number and check number.
The bank routing number on check may be on the bottom left or right corner, though it depends on the bank that you’re banking with. The likes of wells fargo routing number is usually at the left bottom corner of the check like the pic below.
Chase and Bank of America are also written on the left bottom corner of the check. The numbers that you will see on the check are;
Routing Number – A nine digit code or number usually written on the left bottom corner of a check, which is used to identify a bank during wire or money transfer.
Account Number – Next or beside the routing number is the account number, this is your personal unique number.
Check Number – To help you keep a record of all payments, the bottom right corner of your personal check contains a unique check number.
Read Also Wells Fargo routing number by state
The routing number works exactly like the swift code, some countries like United Kingdom, Germany, Canada, Nigeria etc uses a swift code for money or wire transfers. In as much banks in the United States makes use of the routing number for local or domestic money transfer, they also use the swift code for a wire or international transfer.
Diffrence between Swift code and Routing number
You may be thinking that swift code and routing number are the same, swift code for other countries and routing number for united states. The answer is NO, they are not the same at all.
Let me stress this again, banks in the United States also make use of the swift code and this is during international or wire transfers. While the routing number is used for a domestic money transfer. For exampl, Chase Bank, Wells Fargo etc have both the swift and routing code.
SWIFT codes are a string of eight to 11 alphanumeric identifiers that tell the system how to handle each transfer. SWIFT is a member-owned cooperative of 10,800 banks and companies from over 200 countries worldwide.
The SWIFT network primarily facilitates the transfer of payments, securities, and Treasuries between said parties the world over. The code is constructed using a bank or institution code, a country code, a location code, and a branch code.
Together, this is a comprehensive construct that effectively identifies every institution on the network, anywhere in the world.
The routing-number system used by U.S. financial institutions is very similar to the international SWIFT system. But routing numbers are used for transfers domestically, instead of the internationally used SWIFT code.
Americans most commonly know the routing numbers as the code printed on the bottom of paper checks, but it’s also used for wire transfers, for payments via the automated clearinghouse system, and for direct deposits.
Read Also Bank of America swift code
The most significant difference between SWIFT codes and routing numbers is whether a given payment is crossing international borders. If your payment is staying domestic, then the routing number will be used, and, if the payment is going abroad, the SWIFT code will take the lead.
Not only that you can find bank routing number from check, you can do that without a check. All you have to do is to go to this website click on the search icon and type the bank name you want to look for, there you will see the bank routing number from the search results.
When it comes to routing number, you will see ABA routing number and ACH routing number, they two works the same but may differ in some ways. The ABA routing numbers apply to paper checks while ACH routing numbers apply to electronic transfers and withdrawals, but banks uses the same routing number for both.
Read Also Chase bank routing number for transfer
ABA routing numbers are sometimes referred to as the “check routing number,” and the ACH routing number as the electronic routing number or number for electronic transfers.
This is the way to find bank routing number on check, you can as well use the above website if you don’t have a checking account to find the correct number for your bank.