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3 Ways to Find Your Routing Number Without a Check

No check? Find your U.S. routing number through your bank’s app or support, or use an official directory to check institution-level information.
From TheFinanceBase Team2 min to read

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You can find a U.S. bank routing number without a paper check by checking the specific account in your bank’s app or website, contacting the bank, or using an official routing directory to look up institution-level information. Because a bank may use different routing numbers for different accounts or transactions, confirm the right one with your bank before setting up a payment.

1. Check your bank’s website or mobile app

Sign in to your bank’s official website or app and open the details for the checking or savings account you plan to use. Look for account information or routing details. Menu names vary by bank; Chase, for example, says customers can typically find the routing number in account details after signing in: Chase’s routing-number guidance.

Make sure the details belong to the intended account, then check with the bank that the number is appropriate for your purpose, such as direct deposit or an electronic payment. A routing number identifies a U.S. financial institution; the account number identifies your individual account. Keep your account number private.

2. Ask your bank

Contact the bank through a phone number from its official website or app, use secure messaging, or visit a branch. Ask for the routing number for the specific account and transaction you have in mind. Chase says its customers can ask a teller in person, by phone, or at a drive-through window; other banks may offer different support options.

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This is the most direct way to resolve uncertainty when you have found more than one number. Banks can have multiple routing numbers, and the correct one can depend on the account or transaction. Don’t assume a number used for one payment method will work for another.

3. Look up the institution in an official directory

Official directories can help you identify or check routing information for a bank, but they are not a substitute for the bank’s account-specific instructions.

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Federal Reserve E-Payments Routing Directory

The Federal Reserve’s E-Payments Routing Directory lets users search participating Fedwire and FedACH institutions by institution name, location, or routing number. The Federal Reserve says the directory data is synchronized daily. Its results describe participation and routing information for those payment networks; confirm with your bank which number applies to your account and intended transaction.

ABA routing-number lookup

The American Bankers Association identifies LexisNexis Risk Solutions as the official registrar of ABA routing numbers and links to an online lookup. Use a directory result as institution-level information, then ask your bank to verify the number for your specific use.

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Why the number needs to match your payment

A standard U.S. routing number has nine digits. Large national and multinational banks may have multiple routing numbers, while some banks and credit unions have only one. The sources do not establish a universal rule for which number applies to ACH, wire transfers, paper checks, or every account type, so verify the intended transaction with your bank rather than relying on a general web search.

Use your bank’s official instructions before authorizing a transfer or sharing account details. Be especially wary of claims that you can use a personal Federal Reserve account: the Federal Reserve says, “Individuals cannot, by law, have accounts at the Federal Reserve.” Federal Reserve FAQ, updated April 15, 2021. Do not use a Federal Reserve Bank routing number as if it were the routing number for your personal bank account.

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