ABA Routing Transit Number & Account Generator (USA)
Generate valid 9-digit ABA Routing Transit Numbers and US bank account numbers for software testing.
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About the ABA Routing Transit Number (USA)
The ABA Routing Transit Number (RTN) is a 9-digit bank code regulated by NACHA and the Federal Reserve to identify financial institutions in ACH and Fedwire transfers.
The first two digits identify the Federal Reserve district (01 to 12) or specialty institutions, followed by 6 institution identifier digits and 1 check digit calculated via 3-7-1 Mod 10 weighting.
Anatomy & Structure of ABA Routing Transit Number
The 9-digit US ABA Routing Transit Number (RTN) is structured into clear functional components:
| Position | Field | Length | Federal Reserve Meaning & Rules | Example |
|---|---|---|---|---|
| 1 & 2 | Federal Reserve Routing | 2 digits | Identifies the Federal Reserve district (01-12) or institution type (21-32 = Thrift, 61-72 = Wire/ACH). | 02 |
| 3 & 4 | Processing Center | 2 digits | Designates the Federal Reserve check processing center. | 60 |
| 5 to 8 | Institution Identifier | 4 digits | Unique institution ID within the Federal Reserve district. | 0582 |
| 9 | Check Digit | 1 digit | Checksum digit calculated using the weighted Modulo 10 algorithm with weights [3, 7, 1]. | 1 |
ABA Routing Check Digit Algorithm (Federal Reserve Mod 10)
The routing number utilizes a weighted position checksum to prevent routing errors in ACH and Fedwire:
(3(d1 + d4 + d7) + 7(d2 + d5 + d8) + 1(d3 + d6 + d9)) % 10 == 0
- 1. Cyclic Weight Multiplication [3, 7, 1]: multiply digits 1, 4, 7 by 3; digits 2, 5, 8 by 7; and digits 3, 6, 9 by 1.
- 2. Total Weighted Sum: add all 9 individual products together.
- 3. Modulo 10 Check: the total sum must be evenly divisible by 10 (Total Sum % 10 === 0).
- 4. Automated Rejection: any routing number failing this check is immediately rejected by ACH and wire systems.