Routing Number vs. Account Number Example on a Check

Deirdre Ball
Feb 19
2 min read

When handling financial transactions, it’s crucial to understand the differences between a routing number and an account number. These two numbers are fundamental for processing payments, transferring funds, and ensuring that transactions are secure. This article provides a detailed explanation of both numbers, their significance, and a practical example to help you identify them on a check.

What is a Routing Number?

A routing number, also known as an ABA (American Bankers Association) number, is a unique nine-digit code assigned to a financial institution. It helps identify the bank or credit union where an account is held. Routing numbers are primarily used for:

Direct deposits
Electronic funds transfers (EFTs)
Wire transfers
Automatic bill payments
Check processing

What is an Account Number?

An account number is a unique identifier assigned to an individual’s or business’s bank account. It specifies the exact account within a financial institution where funds should be deposited or withdrawn. Unlike the routing number, which identifies the bank, the account number identifies a specific account within that bank.

Example of Routing Number vs. Account Number on a Check

When looking at a personal check, you’ll typically see three sets of numbers at the bottom:

Routing Number: The first nine-digit number on the left represents the bank’s routing number.
Account Number: The second series of numbers (usually 10-12 digits) represents the account number.
Check Number: The last set of numbers is the check number, which helps track individual checks.

Key Differences Between Routing Number and Account Number

Feature	Routing Number	Account Number
Identifies	The bank or credit union	A specific bank account
Length	Always 9 digits	Varies (usually 10-12 digits)
Purpose	Used for directing transactions to the correct bank	Used for directing transactions to the correct account
Location on Check	First set of numbers	Second set of numbers
Example	123456789	9876543210

When Do You Need a Routing or Account Number?

You’ll need these numbers when:

Setting up direct deposit for payroll
Making online payments or wire transfers
Paying bills electronically
Receiving tax refunds

Conclusion

Understanding routing numbers and account numbers is essential for secure and accurate financial transactions. Knowing where to find these numbers on a check can help prevent errors and ensure smooth transactions.