ABA routing transit number
Primary ( 01-12 ) Thrift ( +20 ) Electronic ( +60 ) Federal Reserve Bank
01 21 61 Boston
02 22 62 New York
03 23 63 Philadelphia
04 24 64 Cleveland
05 25 65 Richmond
06 26 66 Atlanta
07 27 67 Chicago
08 28 68 St. Louis
09 29 69 Minneapolis
10 30 70 Kansas City
11 31 71 Dallas
12 32 72 San Francisco
Formats -- MICR Routing number format
The Federal Reserve uses the ABA RTN system for processing its customers ' payments . The ABA RTNs were originally assigned in the systematic way outlined below , reflecting a financial institution 's geographical location and internal handling by the Federal Reserve . Following consolidation of the Federal Reserve 's check processing facilities , and the consolidation in the banking industry , the RTN a financial institution uses may not reflect the `` Fed District '' where the financial institution 's place of business is located . Check processing is now centralized at the Federal Reserve Bank of Atlanta . [ 16 ] The first two digits of the nine digit RTN must be in the ranges 00 through 12 , 21 through 32 , 61 through 72 , or 80 . The digits are assigned as follows : 00 is used by the United States Government 01 through 12 are the `` normal '' routing numbers , and correspond to the 12 Federal Reserve Banks . For example , 0260-0959-3 is the routing number for Bank of America incoming wires in New York , with the initial `` 02 '' indicating the Federal Reserve Bank of New York . 21 through 32 were assigned only to thrift institutions ( e.g . credit unions and savings banks ) through 1985 , but are no longer assigned ( thrifts are assigned normal 01–12 numbers ) . Currently they are still used by the thrift institutions , or their successors , and correspond to the normal routing number , plus 20 . ( For example , 2260-7352-3 is the routing number for Grand Adirondack Federal Credit Union in New York , with the initial `` 22 '' corresponding to `` 02 '' ( New York Fed ) plus `` 20 '' ( thrift ) . ) 61 through 72 are special purpose routing numbers designated for use by non-bank payment processors and clearinghouses and are termed Electronic Transaction Identifiers ( ETIs ) , and correspond to the normal routing number , plus 60 . 80 is used for traveler 's checks The first two digits correspond to the 12 Federal Reserve Banks as follows :
In the United States, an ABA routing transit number (ABA RTN) is a nine-digit code printed on the bottom of checks to identify the financial institution on which it was drawn. The American Bankers Association (ABA) developed the system in 1910 to facilitate the sorting, bundling, and delivering paper checks to the drawer's (check writer's) bank for debit to the drawer's account. Newer electronic payment methods continue to rely on ABA RTNs to identify the paying bank or other financial institution. The Federal Reserve Banks uses ABA RTNs in processing Fedwire funds transfers. The ACH Network also uses ABA RTNs in processing direct deposits, bill payments, and other automated money transfers.