Routing Number vs. Account Number
On a check, there are three main sets of numbers at the bottom. The first set, usually 9 digits, is the routing number. The second set is your account number, and the third is the check number. But on some special checks, like cashier’s checks, these numbers can be in a different order.
These numbers are printed with magnetic ink. This is part of the check’s MICR line (Magnetic Ink Character Recognition), often called “micker.” The magnetic ink lets banks read and process the check’s details quickly.
| Definition | A nine-digit code used to identify the bank | A unique number that identifies the account |
|---|---|---|
| Format | 9 digits, typically in the format XXXXYYYYC | Varies in length, depending on the bank |
| Location on a check | Typically to the left of the account number | Typically to the right of the routing number |
| Purpose | Identifies the bank and its location | Identifies the specific account |
| Example | 123456789 (for illustration purposes) | Varies by bank and individual account |
| Usage | Necessary for various banking transactions | Essential for transactions and deposits |
| Security Implications | Generally less sensitive than account number | More sensitive, as it directly links to the account |
What Is a Routing Number ( Definition and How to Find It)
Routing Number: A nine-digit string used by banks to identify certain U.S. financial institutions is the routing number, commonly called an ABA routing number (short for the American Bankers Association). Banks need this number to send money back and forth. You can usually see the routing number on the bottom left corner of your checks.
Routing Number
Your routing number is a long set of numbers on the bottom of your checks. You use this number to get your paycheck or benefits put directly into your bank account. It’s important to know which number this is and how to use it for other things too. Keep reading to learn more about your routing number.