ABA Routing Number Validator

ABA Routing Number Validator | Online Free Tool | Elysia Tools

Tool usage guide

Learn when to use this tool, what it supports, and how real users apply it.

Key facts

Category: Validation
Input types: text
Output type: text
Sample coverage: 4
API ready: Yes

Overview

The ABA Routing Number Validator allows you to instantly verify 9-digit US bank routing transit numbers (RTN) using MICR check-digit algorithms, while retrieving Federal Reserve district details and institution breakdowns.

When to use

When setting up direct deposits or ACH payments and needing to verify that the routing number is valid before submitting transactions.
When processing wire transfers and wanting to confirm the recipient bank's Federal Reserve district and institution details.
When debugging payment gateway errors or validating user-submitted bank details in financial applications.

How it works

1Enter the 9-digit ABA routing number into the input field, with or without spaces and dashes.
2The tool strips non-numeric characters and runs the MICR checksum formula based on weighted digits.
3It decodes the routing number to identify the Federal Reserve routing symbol, the institution identifier, and the check digit.
4The validation status, bank location details, and structural breakdown are displayed instantly.

Use cases

Verifying routing numbers on paper checks before initiating electronic check processing.
Double-checking payroll direct deposit forms to prevent transaction failures and returned items.
Auditing vendor payment details before executing high-value wire transfers.

Examples

1. Verifying a Routing Number for ACH Payroll Setup

HR Administrator

Background

An HR administrator is setting up direct deposit for a new employee but the handwritten routing number on the voided check is slightly smudged.

Problem

The administrator needs to confirm if the routing number '021000021' is correct and belongs to the expected bank before submitting the payroll file.

How to use

Enter '0210-0002-1' into the ABA Routing Number input field and click validate.

Outcome

The tool confirms the routing number is valid, identifies it as belonging to JPMorgan Chase Bank in the Federal Reserve District 2 (New York), and verifies the check digit.

2. Validating Vendor Wire Transfer Details

Accounts Payable Specialist

Background

A specialist is processing an urgent wire transfer to a new vendor and wants to ensure the routing number provided in the invoice is structurally sound.

Problem

Prevent costly wire transfer failures or delays due to typos in the routing transit number.

How to use

Copy the routing number '026009593' from the invoice, paste it into the validator, and run the check.

FAQ

What is an ABA routing number?

An ABA routing number (or Routing Transit Number) is a nine-digit code used to identify specific financial institutions in the United States for transactions like ACH and wire transfers.

How does the MICR check-digit verification work?

The ninth digit of the routing number is a checksum calculated using a weighted formula on the first eight digits: 3(d1 + d4 + d7) + 7(d2 + d5 + d8) + (d3 + d6 + d9) mod 10 = 0.

Can this tool validate routing numbers with dashes or spaces?

Yes, the validator automatically ignores spaces, dashes, and other non-numeric characters before performing the validation.

Does a valid routing number guarantee the bank account exists?

No, this tool only verifies that the routing number itself is structurally valid and belongs to an active financial institution; it does not check individual bank accounts.

What information is extracted from the routing number?

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Inputs

Result

Learn when to use this tool, what it supports, and how real users apply it.

Key facts

Overview

When to use

How it works

Use cases

Examples

1. Verifying a Routing Number for ACH Payroll Setup

2. Validating Vendor Wire Transfer Details

FAQ

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