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A routing transit number (RTN) or ABA number is the nine digit code on the bottom of negotiable instruments such as checks that identifies which financial institution it is drawn upon. This code is also used by the Automated Clearing House to process direct deposits and other automated transfers. This system is named after the American Bankers Association, which designed it in 1910.


Thompson Financial Publications (TFP) is responsible for tracking and assigning new ABAs. They have published this list in the American Bankers Association Key to Routing Numbers semi-annually since 1911. There are approximately 30,000 ABAs currently in use.


The first two digits of this nine digit number must be 00 through 12, 21 through 32, 61 through 72, or 80. 00 is used by the United States Government. 21 through 32 were assigned to thrift institutions through 1985. 61 through 72 are used for electronic transactions. 80 is used for traveller's checks. These two digits correspond to the 12 Federal Reserve Banks as follows:

Primary Thrift Electronic Federal Reserve Bank
01 21 61 Boston, Massachusetts
02 22 62 New York, New York
03 23 63 Philadelphia, Pennsylvania
04 24 64 Cleveland, Ohio
05 25 65 Richmond, Virginia
06 26 66 Atlanta, Georgia
07 27 67 Chicago, Illinois
08 28 68 St. Louis, Missouri
09 29 69 Minneapolis, Minnesota
10 30 70 Kansas City, Missouri
11 31 71 Dallas, Texas
12 32 72 San Francisco, California

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