A routing transit number (RTN) is a nine digit bank code
Bank code
A Bank Code is a code assigned by a central bank, a Bank Supervisory Body or a Bankers Association in a country to all its licensed member banks. The rules vary to a great extent between the countries. Also the name of such a code varies...
The United States of America is a federal constitutional republic comprising fifty states and a federal district...
, which appears on the bottom of negotiable instruments such as check
Cheque
A cheque is a document/instrument See the negotiable cow—itself a fictional story—for discussions of cheques written on unusual surfaces. that orders a payment of money from a bank account...
s identifying the financial institution on which it was drawn. This code was designed to facilitate the sorting, bundling, and shipment of paper checks back to the drawer's (check writer's) account.
The RTN is also used by Federal Reserve Banks to process Fedwire
Fedwire
Formally known as the Federal Reserve Wire Network, Fedwire is a Real Time Gross Settlement Funds Transfer system operated by the Federal Reserve Banks that enables financial institutions to electronically transfer funds between its more than 9,289 participants...
Automated Clearing House is an electronic network for financial transactions in the United States. ACH processes large volumes of credit and debit transactions in batches. ACH credit transfers include direct deposit payroll and vendor payments. ACH direct debit transfers include consumer payments...
Direct deposit also known as Direct credit is a banking term used to refer to certain payment systems used to transfer money where a payment is initiated by the payer not the payee, namely:* In Europe, the giro system...
s, bill payments, and other such automated transfers.
The American Bankers Association is an industry trade group and professional association representing the United States' banking industry...
, which designed it in 1910.
ABA number management
Since 1911, the American Bankers Association has assigned transit numbers through a series of registrars, currently Accuity. The company is responsible for assigning new ABA numbers. Accuity publishes the ABA Number Directory in the American Bankers Association Key to Routing Numbers semi-annually.
There are approximately 26,895 active routing and transit numbers currently in use. Every financial institution in the United States has at least one of these. Multiple RTNs may result from mergers.
ABA numbers are only for use in domestic transactions within the United States and are of two types, one for funds being debited or credited to or from accounts and one that is used for wire transfers. They are different and usually the ABA number on a check book which is usually the middle set of nine numbers printed at the bottom of the check is the former. Domestic transfers that use the debit/credit routing number will usually be returned to the sending bank. Incoming international wire transfers use a different code system call SWIFT-BIC, BIC code, SWIFT ID or SWIFT code more of which can be read about under ISO 9362. There are a number of overlapping issues between these codes and complicating the matter is the fact that European Banks use an IBAN code.
The IBAN was originally developed to facilitate payments within the European Union but the format is flexible enough to be applied globally. It consists of a ISO 3166-1 alpha-2 country code, followed by two check digits that are calculated using a mod-97 technique, and Basic Bank Account Number (BBAN) with up to thirty alphanumeric characters.[4] The BBAN includes the domestic bank account number and potentially routing information. The national banking communities decide individually on a fixed length for all BBAN in their country.
Routing number format
The ABA transit number appears in two forms on a standard check – the fraction form and the MICR (magnetic ink character recognition) form. Both forms give essentially the same information, though there are slight differences.
The MICR forms are the main form – it is printed in magnetic ink, and is machine-readable; it appears at the bottom left of a check, and consists of nine digits.
The fraction form was used for manual processing before the invention of the MICR line, and still serves as a backup in check processing should the MICR line become illegible or torn; it generally appears in the upper right part of a check near the date.
The MICR number is of the form
XXXXYYYYC
where XXXX is Federal Reserve Routing Symbol, YYYY is ABA Institution Identifier,
and C is the Check Digit, while the fraction is of the form:
PP-YYYY/XXXX
where PP is a 1 or 2 digit Prefix, no longer used in processing, but still printed. Sometimes a branch number or the account number are printed below the fraction form; branch number is not used in processing, while the account number is listed in MICR form at the bottom. Further, the Federal Reserve Routing Symbol and ABA Institution Identifier may have fewer than 4 digits in the fraction form. The essential data, shared by both forms, is the Federal Reserve Routing Symbol (XXXX), and the ABA Institution Identifier (YYYY), and these are usually the same in both the fraction form and the MICR, with only the order and format switched (and left-padded with 0s to ensure that they are 4 digits long).
The prefix and the Federal Reserve Routing Symbol (XXXX) are determined by the bank's geographical location and treatment by the Federal Reserve type, while the remaining data (YYYY, and Branch number, if present) depends on the specific bank, and are unique within a Federal Reserve district.
In the check depicted above right, the fraction form is 11-3167/1210 (with 01 below it) and MICR form is 129131673 which are analyzed as follows:
the prefix 11 corresponds to San Francisco,
3167 (common to both) is the ABA Institution Identifier,
1210 and 1291 are the Federal Reserve Routing Symbols (generally equal, here different probably due to obfuscation, see image file history for more information), with the initial "12" corresponding to the Federal Reserve Bank of San Francisco, the third digits ("1" and "9") corresponding to check processing centers, and the fourth digits ("0" and "1") corresponding to where the bank is located – "0" indicates "in the Federal Reserve city of San Francisco", while "1" indicates "in the state of California".
the final "3" in the MICR is the check digit, and
the "01" below the fraction form is the branch number.
In the case of a MICR line that is illegible or torn, the check can be still be processed without the check digit. Typically, a repair strip or sleeve is attached to the check, then a new MICR line is imprinted. Either 021200025 or 0212-0002 (with a hyphen, but no check digit) may be printed, and both are 9 digits. The former (with check digit) is preferred to ensure better accuracy, but requires computing the check digit, while the latter is easily determined by inspection of the fraction, with minimal clerical handling.
MICR Routing number format
The MICR routing number consists of 9 digits:
XXXXYYYYC
where XXXX is Federal Reserve Routing Symbol, YYYY is ABA Institution Identifier,
and C is the Check Digit.
Federal Reserve Routing Symbol
The Federal Reserve Routing Symbol were originally assigned in the systematic way outlined below, reflecting a bank's geographical location and internal handling by the Federal Reserve. However, the link is today tenuous – following banking consolidation, many banks use a routing number from a now-defunct bank, while the Federal Reserve no longer assigns specific numbers for thrifts, nor does the "check processing facility" have any current meaning, as check processing is now centralized within each Federal Reserve district.
First two digits
The first two digits of the nine digit ABA number 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 Bank
Federal Reserve Bank
The twelve Federal Reserve Banks form a major part of the Federal Reserve System, the central banking system of the United States. The twelve federal reserve banks together divide the nation into twelve Federal Reserve Districts, the twelve banking districts created by the Federal Reserve Act of...
s. 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
Federal Reserve Bank of New York
The Federal Reserve Bank of New York is one of the 12 Federal Reserve Banks of the United States. It is located at 33 Liberty Street, New York, NY. It is responsible for the Second District of the Federal Reserve System, which encompasses New York state, the 12 northern counties of New Jersey,...
A thrift institution is a financial institution that obtains the majority of its funds from the savings of the public; savings and loan association and savings banks, are the types of thrift institutions....
A credit union is a cooperative financial institution that is owned and controlled by its members and operated for the purpose of promoting thrift, providing credit at competitive rates, and providing other financial services to its members...
s 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.
A traveler's cheque is a preprinted, fixed-amount cheque designed to allow the person signing it to make an unconditional payment to someone else as a result of having paid the issuer for that privilege.- Usage :As traveler's cheques can usually be replaced if lost or stolen A traveler's cheque...
The twelve Federal Reserve Banks form a major part of the Federal Reserve System, the central banking system of the United States. The twelve federal reserve banks together divide the nation into twelve Federal Reserve Districts, the twelve banking districts created by the Federal Reserve Act of...
The Federal Reserve Bank of Boston, commonly known as the Boston Fed, is responsible for the First District of the Federal Reserve, which covers most of Connecticut , Massachusetts, Maine, New Hampshire, Rhode Island and Vermont. It is headquartered in the Federal Reserve Bank Building in Boston,...
The Federal Reserve Bank of New York is one of the 12 Federal Reserve Banks of the United States. It is located at 33 Liberty Street, New York, NY. It is responsible for the Second District of the Federal Reserve System, which encompasses New York state, the 12 northern counties of New Jersey,...
The Federal Reserve Bank of Philadelphia, headquartered in Philadelphia, Pennsylvania, is responsible for the Third District of the Federal Reserve, which covers eastern Pennsylvania, the 9 southern counties of New Jersey, and Delaware...
The Federal Reserve Bank of Cleveland is the Cleveland-based headquarters of the U.S. Federal Reserve System's Fourth District. The district is composed of Ohio, western Pennsylvania, eastern Kentucky, and the northern panhandle of West Virginia. It has branch offices in Cincinnati and Pittsburgh....
The Federal Reserve Bank of Richmond is the headquarters of the Fifth District of the Federal Reserve located in Richmond, Virginia. It covers the District of Columbia, Maryland, Virginia, North Carolina, South Carolina and most of West Virginia. Branch offices are located in Baltimore, Maryland...
The Federal Reserve Bank of Atlanta is responsible for the sixth district, which covers the states of Alabama, Florida, and Georgia, 74 counties in the eastern two-thirds of...
The Federal Reserve Bank of Chicago is one of twelve regional Reserve Banks that, along with the Board of Governors in Washington, D.C., make up the nation's central bank....
The Federal Reserve Bank of St. Louis is one of 12 regional Reserve Banks that, along with the Board of Governors in Washington, D.C., make up the nation's central bank. Missouri is the only state to have two Federal Reserve Banks . The St...
The Federal Reserve Bank of Minneapolis, located in Minneapolis, Minnesota, in the United States, covers the 9th District of the Federal Reserve, including Minnesota, Montana, North and South Dakota, northwestern Wisconsin, and the Upper Peninsula of Michigan...
The Federal Reserve Bank of Kansas City covers the 10th District of the Federal Reserve, which includes Colorado, Kansas, Nebraska, Oklahoma, Wyoming, and portions of western Missouri and northern New Mexico. The Bank has branches in Denver, Oklahoma City, and Omaha. The current president is...
The Federal Reserve Bank of San Francisco is the federal bank for the twelfth district in the United States. The twelfth district is made up of nine western states-—Alaska, Arizona, California, Hawaii, Idaho, Nevada, Oregon, Utah, and Washington--plus the Northern Mariana Islands, American Samoa,...
Third and fourth digits
The third digit corresponds to the Federal Reserve check processing center originally assigned to the bank, while the fourth digit is "0" if the bank is located in the Federal Reserve city proper, and otherwise is 1–9, according to which state in the Federal Reserve district it is.
A check digit is a form of redundancy check used for error detection, the decimal equivalent of a binary checksum. It consists of a single digit computed from the other digits in the message....
A checksum or hash sum is a fixed-size datum computed from an arbitrary block of digital data for the purpose of detecting accidental errors that may have been introduced during its transmission or storage. The integrity of the data can be checked at any later time by recomputing the checksum and...
test using a position-weighted sum of each of the digits. High-speed check-sorting equipment will typically verify the checksum, and route the item to a reject pocket for manual examination, repair, and re-sorting. Mis-routings to an incorrect bank are thus greatly reduced.
In computing, the modulo operation finds the remainder of division of one number by another.Given two positive numbers, and , a modulo n can be thought of as the remainder, on division of a by n...
or modulo is the remainder of a division operation.)
In terms of weights, this is 371 371 371. This allows one to catch any single-digit error (incorrectly inputting one digit), together with most transposition errors. 1, 3, and 7 are used because they (together with 9) are coprime
Coprime
In number theory, a branch of mathematics, two integers a and b are said to be coprime or relatively prime if the only positive integer that evenly divides both of them is 1. This is the same thing as their greatest common divisor being 1...
to 10; using a coefficient that is divisible by 2 or 5 would lose information (because ), and thus would not catch some substitution errors. These do not catch transpositions of two digits that differ by 5 (0 and 5, 1 and 6, 2 and 7, 3 and 8, 4 and 9), but captures other transposition errors.
As an example, consider 111000025 (which is a valid routing number of Bank of America
Bank of America
Bank of America Corporation, an American multinational banking and financial services corporation, is the second largest bank holding company in the United States by assets, and the fourth largest bank in the U.S. by market capitalization. The bank is headquartered in Charlotte, North Carolina...
The Commonwealth of Virginia , is a U.S. state on the Atlantic Coast of the Southern United States. Virginia is nicknamed the "Old Dominion" and sometimes the "Mother of Presidents" after the eight U.S. presidents born there...
). Applying the formula, we get:
The following formula can be used to generate the 9th digit in the checksum:
This is just moving all terms other than to the right hand side of the equation, which inverts the coefficients with respect to 10 ().
Following the above example for the Texas Bank of America routing number 111000025,
This checksum is very easy to represent in computer programming languages. The following Python
Python (programming language)
Python is a general-purpose, high-level programming language whose design philosophy emphasizes code readability. Python claims to "[combine] remarkable power with very clear syntax", and its standard library is large and comprehensive...
example will print "True" when the checksum is valid:
d = "111000025"
d = [int(item) for item in d] # convert all the items to integers
The symbol that delimits a routing transit number is the MICR E-13B transit character (Unicode value U+2446): ⑆
If your computer cannot display this character, it may be seen here.
Fraction form
The fraction form looks like a fraction
Fraction
In common usage a fraction is any part of a unit.Fraction may also mean:*Fraction , one of more equal parts of something, eg...
, with a numerator and a denominator.
The numerator consists of two parts separated by a dash. The prefix (no longer used in check processing, yet still printed on most checks) is a 1 or 2 digit code (P or PP) indicating the region where the bank is located. The numbers 1 to 49 are cities, assigned by size of the cities in 1910. The numbers 50 to 99 are states, assigned in a rough spatial geographic order, and are used for banks located outside one of the 49 numbered cities.
The second part of the numerator (after the dash) is the bank's ABA Institution Identifier, which also forms digits 5 to 8 of the nine digit routing number (YYYY).
The denominator is also part of the routing number; by adding leading zeroes to make up four digits where necessary (e.g. 212 is written as 0212, 31 is written as 0031, etc.), it forms the first four digits of the routing number (XXXX).
There might also be a fourth element printed to the right of the fraction: this is the bank's branch number. It is not included in the MICR line. It would only be used internally by the bank, e.g. to show where the signature card is located, where to contact the responsible officer in case of an overdraft, etc.
For example, a check from Wachovia Bank in Yardley, PA, has a fraction of 55-2/212 and a routing number of 021200025. The prefix (55) no longer has any relevance, but from the remainder of the fraction, the first 8 digits of the routing number (02120002) can be determined, and the check digit (the last digit, 5 in this example) can be calculated by using the check digit formula (thus giving 021200025).
ABA Prefix Table
This table is up to date as of 2009. The one weakness of the current routing table arrangement is that Alaska, American Samoa, Guam, Hawaii, Puerto Rico and the US Virgin Islands share the same routing code.
prefix
location
1
New York, NY
2
Chicago, IL
3
Philadelphia, PA
4
St. Louis, MO
5
Boston, MA
6
Cleveland, OH
7
Baltimore, MD
8
Pittsburgh, PA
9
Detroit, MI
10
Buffalo, NY
11
San Francisco, CA
12
Milwaukee, WI
13
Cincinnati, OH
14
New Orleans, LA
15
Washington D.C.
16
Los Angeles, CA
17
Minneapolis, MN
18
Kansas City, MO
19
Seattle, WA
20
Indianapolis, IN
21
Louisville, KY
22
St. Paul, MN
23
Denver, CO
24
Portland, OR
25
Columbus, OH
26
Memphis, TN
27
Omaha, NE
28
Spokane, WA
29
Albany, NY
30
San Antonio, TX
31
Salt Lake City, UT
32
Dallas, TX
33
Des Moines, IA
34
Tacoma, WA
35
Houston, TX
36
St. Joseph, MO
37
Fort Worth, TX
38
Savannah, GA
39
Oklahoma City, OK
40
Wichita, KS
41
Sioux City, IA
42
Pueblo, CO
43
Lincoln, NE
44
Topeka, KS
45
Dubuque, IA
46
Galveston, TX
47
Cedar Rapids, IA
48
Waco, TX
49
Muskogee, OK
50
New York
51
Connecticut
52
Maine
53
Massachusetts
54
New Hampshire
55
New Jersey
56
Ohio
57
Rhode Island
58
Vermont
59
Alaska, American Samoa, Guam, Hawaii, Puerto Rico, Virgin Islands
The Canadian Payments Association is a not-for-profit organization that:*operates and maintains national systems for the clearing and settlement of payments and other arrangements for the making or exchange of payments;...
. A number has the following form:
XXXXX-YYY
where XXXXX is a Branch Number, and YYY is an Institution Number. The dash between the branch number and the institution number is an integral part of the transit number. This format is only valid for paper-type transactions such as cheques. For Electronic Fund Transactions (EFT) the current format is a leading zero, the institution number, then the branch number all with no dashes. For example if a cheque reads XXXXX-YYY , the corresponding EFT code would be 0YYYXXXXX.
A credit union is a cooperative financial institution that is owned and controlled by its members and operated for the purpose of promoting thrift, providing credit at competitive rates, and providing other financial services to its members...
The Bank of Montreal , , or BMO Financial Group, is the fourth largest bank in Canada by deposits. The Bank of Montreal was founded on June 23, 1817 by John Richardson and eight merchants in a rented house in Montreal, Quebec. On May 19, 1817 the Articles of Association were adopted, making it...
The Royal Bank of Canada or RBC Financial Group is the largest financial institution in Canada, as measured by deposits, revenues, and market capitalization. The bank serves seventeen million clients and has 80,100 employees worldwide. The company corporate headquarters are located in Toronto,...
The Toronto-Dominion Bank , is the second-largest bank in Canada by market capitalization and based on assets. It is also the sixth largest bank in North America. Commonly known as TD and operating as TD Bank Group, the bank was created in 1955 through the merger of the Bank of Toronto and the...
(which is the legal name for the bank, although it operates as TD Canada Trust
TD Canada Trust
TD Canada Trust is the personal, small business and commercial banking operation of the Toronto-Dominion Bank in Canada. TD Canada Trust offers a range of financial services and products to more than 10 million Canadian customers through more than 1,100 branches and 2,600 ATM Green Machines...
The Canadian Imperial Bank of Commerce is one of Canada's chartered banks, fifth largest by deposits. The bank is headquartered at Commerce Court in Toronto, Ontario. CIBC's Institution Number is 010, and its SWIFT code is CIBCCATT....
The Canadian Western Bank is a bank that is based in Edmonton, and which operates primarily in western Canada. The bank serves personal and commercial clients in Western Canada.-History:...
The Government of Canada, formally Her Majesty's Government, is the system whereby the federation of Canada is administered by a common authority; in Canadian English, the term can mean either the collective set of institutions or specifically the Queen-in-Council...
(Not listed as a member of the Canadian Payments Association)
Canada Post Corporation, known more simply as Canada Post , is the Canadian crown corporation which functions as the country's primary postal operator...
The Bank of Canada is Canada's central bank and "lender of last resort". The Bank was created by an Act of Parliament on July 3, 1934 as a privately owned corporation. In 1938, the Bank became a Crown corporation belonging to the Government of Canada...
A central bank, reserve bank, or monetary authority is a public institution that usually issues the currency, regulates the money supply, and controls the interest rates in a country. Central banks often also oversee the commercial banking system of their respective countries...
Alberta Treasury Branches, doing business as ATB Financial, is a financial institution and crown corporation owned by the Province of Alberta. ATB operates in Alberta only, providing financial services to 680,000 Albertans and Alberta-based businesses. ATB has 167 branches and 130 agencies, serving...
Bank of America Corporation, an American multinational banking and financial services corporation, is the second largest bank holding company in the United States by assets, and the fourth largest bank in the U.S. by market capitalization. The bank is headquartered in Charlotte, North Carolina...
Citibank, a major international bank, is the consumer banking arm of financial services giant Citigroup. Citibank was founded in 1812 as the City Bank of New York, later First National City Bank of New York...
Canada
XXXXX-270 JPMorgan Chase Bank, N.A. (Toronto Branch)
Bank of China Limited is one of the big four state-owned commercial banks of the People's Republic of China. It was founded in 1912 by the Government of the Republic of China, to replace the Government Bank of Imperial China. It is the oldest bank in China...
Citizens Bank of Canada is a British Columbia, Canada-based virtual bank owned by Vancouver City Credit Union . From 1997 until 2009 Citizens Bank offered personal and business banking services over the internet...
President’s Choice Financial is a banking service provided by Loblaw Companies . Several different organizations provide individual financial services under the President's Choice Financial umbrella:...
(no longer assigned, now shares XXXXX-010 code with CIBC)
ICICI Bank Ltd. is India's second largest financial services company headquartered in Mumbai, India. It offers a wide range of banking products and financial services to corporate and retail customers through a variety of delivery channels and through its specialised subsidiaries in the areas of...
CT Financial Services Inc. was a trust company that was founded in London, Ontario and later had its headquarters in Toronto, Ontario and operated in Canada through subsidiaries including Canada Trustco Mortgage Company and The Canada Trust Company...
Manulife Financial Corporation , is a Canadian insurance company and financial services provider. Manulife Financial's global head office is located in Toronto, Canada and the Company has operations in 21 countries and territories worldwide.The Company operates in Canada and Asia through the brand...
XXXXX-614 ING Direct Canada
XXXXX-809 [Central 1 [Credit Union] - BC Region]
XXXXX-815 Caisses Desjardins du Québec
XXXXX-819 Caisses populaires Desjardins du Manitoba
XXXXX-828 [Central 1 [Credit Union] - ON Region]
XXXXX-829 Caisses populaires Desjardins de l'Ontario
Meridian Credit Union is a Canadian credit union. It was formed April 1, 2005, following the merger of NIAGARA Credit Union and HEPCOE Credit Union....
A credit union is a cooperative financial institution that is owned and controlled by its members and operated for the purpose of promoting thrift, providing credit at competitive rates, and providing other financial services to its members...
A credit union is a cooperative financial institution that is owned and controlled by its members and operated for the purpose of promoting thrift, providing credit at competitive rates, and providing other financial services to its members...
A credit union is a cooperative financial institution that is owned and controlled by its members and operated for the purpose of promoting thrift, providing credit at competitive rates, and providing other financial services to its members...
A credit union is a cooperative financial institution that is owned and controlled by its members and operated for the purpose of promoting thrift, providing credit at competitive rates, and providing other financial services to its members...
Central Alberta
XXXXX-900 ?
In a Canadian bank transit number, the last digit of the branch number, with few exceptions, indicates the geographical location of the branch.
British Columbia is the westernmost of Canada's provinces and is known for its natural beauty, as reflected in its Latin motto, Splendor sine occasu . Its name was chosen by Queen Victoria in 1858...
Yukon is the westernmost and smallest of Canada's three federal territories. It was named after the Yukon River. The word Yukon means "Great River" in Gwich’in....
Quebec or is a province in east-central Canada. It is the only Canadian province with a predominantly French-speaking population and the only one whose sole official language is French at the provincial level....
Montreal is a city in Canada. It is the largest city in the province of Quebec, the second-largest city in Canada and the seventh largest in North America...
Ontario is a province of Canada, located in east-central Canada. It is Canada's most populous province and second largest in total area. It is home to the nation's most populous city, Toronto, and the nation's capital, Ottawa....
Toronto is the provincial capital of Ontario and the largest city in Canada. It is located in Southern Ontario on the northwestern shore of Lake Ontario. A relatively modern city, Toronto's history dates back to the late-18th century, when its land was first purchased by the British monarchy from...
Nova Scotia is one of Canada's three Maritime provinces and is the most populous province in Atlantic Canada. The name of the province is Latin for "New Scotland," but "Nova Scotia" is the recognized, English-language name of the province. The provincial capital is Halifax. Nova Scotia is the...
Prince Edward Island is a Canadian province consisting of an island of the same name, as well as other islands. The maritime province is the smallest in the nation in both land area and population...
Labrador is the distinct, northerly region of the Canadian province of Newfoundland and Labrador. It comprises the mainland portion of the province, separated from the island of Newfoundland by the Strait of Belle Isle...
New Brunswick is one of Canada's three Maritime provinces and is the only province in the federation that is constitutionally bilingual . The provincial capital is Fredericton and Saint John is the most populous city. Greater Moncton is the largest Census Metropolitan Area...
Quebec or is a province in east-central Canada. It is the only Canadian province with a predominantly French-speaking population and the only one whose sole official language is French at the provincial level....
Labrador is the distinct, northerly region of the Canadian province of Newfoundland and Labrador. It comprises the mainland portion of the province, separated from the island of Newfoundland by the Strait of Belle Isle...
Eastern Ontario is a subregion of Southern Ontario in the Canadian province of Ontario which lies in a wedge-shaped area between the Ottawa River and St. Lawrence River...
Ottawa is the capital of Canada, the second largest city in the Province of Ontario, and the fourth largest city in the country. The city is located on the south bank of the Ottawa River in the eastern portion of Southern Ontario...
Manitoba is a Canadian prairie province with an area of . The province has over 110,000 lakes and has a largely continental climate because of its flat topography. Agriculture, mostly concentrated in the fertile southern and western parts of the province, is vital to the province's economy; other...
Ontario is a province of Canada, located in east-central Canada. It is Canada's most populous province and second largest in total area. It is home to the nation's most populous city, Toronto, and the nation's capital, Ottawa....
Saskatchewan is a prairie province in Canada, which has an area of . Saskatchewan is bordered on the west by Alberta, on the north by the Northwest Territories, on the east by Manitoba, and on the south by the U.S. states of Montana and North Dakota....
Alberta is a province of Canada. It had an estimated population of 3.7 million in 2010 making it the most populous of Canada's three prairie provinces...
The Northwest Territories is a federal territory of Canada.Located in northern Canada, the territory borders Canada's two other territories, Yukon to the west and Nunavut to the east, and three provinces: British Columbia to the southwest, and Alberta and Saskatchewan to the south...
Nunavut is the largest and newest federal territory of Canada; it was separated officially from the Northwest Territories on April 1, 1999, via the Nunavut Act and the Nunavut Land Claims Agreement Act, though the actual boundaries had been established in 1993...
(?)
For example, the number 58876-004 indicates that the associated account is held at an Eastern Ontario branch of The Toronto-Dominion Bank (58876 is the branch number, and 004 is the institution number).
The Canadian Payments Association is a not-for-profit organization that:*operates and maintains national systems for the clearing and settlement of payments and other arrangements for the making or exchange of payments;...
website maintained a list of current and historical financial institution identification numbers. In 2010, they removed the list from their website, and currently only offer the information in the form of a fee-based subscription service to their "Financial Institutions File". http://www.cdnpay.ca/imis15/eng/Clearing_Settlement/Financial_Institutions_File/eng/sys/Financial_Institutions_File.aspx for details, formats, and pricing. The CPA does offer a comprehensive list of Canadian financial institution branches, broken out a) Banks, b) Credit Unions and Caisses Populaires, and c) Trust Companies, Loan Companies and Other Deposit-taking Institutions. Links to these individual documents can be found at http://www.cdnpay.ca/imis15/eng/Clearing_Settlement/Financial_Institutions_Branch_Directory/eng/sys/Financial_Institutions_Branch_Directory.aspx. Note that these lists only cover "physical" branch locations in Canada; financial institutions operating in Canada that do not have a branch location do not appear on these lists.
See also
General Category
A Bank Code is a code assigned by a central bank, a Bank Supervisory Body or a Bankers Association in a country to all its licensed member banks. The rules vary to a great extent between the countries. Also the name of such a code varies...
discusses formats used by other countries and regions.
A sort code is the name given by both the British and Irish banking industry to the bank codes which are used to route money transfers between banks within their respective countries via their respective clearance organisations. In Ireland it is known as the NSC or National Sort Code and is...
The International Bank Account Number is an international standard for identifying bank accounts across national borders with a minimal risk of propagating transcription errors. It was originally adopted by the European Committee for Banking Standards , and was later adopted as an international...
ISO 9362 is a standard format of Business Identifier Codes approved by the International Organization for Standardization . It is a unique identification code for both financial and non-financial institutions...
A Bank State Branch identifying code is a six digit numerical code used within Australia that identifies an individual branch of a financial institution...
, or BSB code used for Australian banks
Canada has similar but different transaction routing structures
The Large Value Transfer System, or LVTS, is a system in Canada for electronic wire transfers of large sums of money; it permits the participating institutions and their clients to send large sums of money securely in real-time with complete certainty that the payment will settle...
Interac Association is a Canadian organization linking enterprises that have proprietary networks so that they may communicate with each other for the purpose of exchanging electronic financial transactions. The Association was founded in 1984 as a cooperative venture between five financial...
The ABA transit number appears in two forms on a standard check – the fraction form and the MICR (magnetic ink character recognition) form. Both forms give essentially the same information, though there are slight differences.
), and thus would not catch some substitution errors. These do not catch transpositions of two digits that differ by 5 (0 and 5, 1 and 6, 2 and 7, 3 and 8, 4 and 9), but captures other transposition errors.
to the right hand side of the equation, which inverts the coefficients with respect to 10 (
).
