ACH US Routing Number – FEDERAL RESERVE BANK
| Routing Number | Address | City | State | |
| 1 | 011000015 | 1000 PEACHTREE ST N.E. | ATLANTA | GA |
| 2 | 021001208 | 100 ORCHARD STREET | EAST RUTHERFORD | NJ |
| 3 | 031000040 | 1000 PEACHTREE ST, N.E. | ATLANTA | GA |
| 4 | 041000014 | ACH DEPARTMENT | ATLANTA | GA |
| 5 | 051000033 | 1000 PEACHTREE ST, N.E. | ATLANTA | GA |
| 6 | 051050339 | 1000 PEACHTREE STREET N.E. | ATLANTA | GA |
| 7 | 052000278 | 1000 PEACHTREE ST, N.E. | ATLANTA | GA |
| 8 | 053000206 | 1000 PEACHTREE ST, N.E. | ATLANTA | GA |
| 9 | 061000146 | 1000 PEACHTREE ST, N.E. | ATLANTA | GA |
| 10 | 064000101 | 1000 PEACHTREE ST, N.E. | ATLANTA | GA |
| 11 | 071000301 | 1000 PEACHTREE ST N.E. | ATLANTA | GA |
| 12 | 081000045 | PO BOX 291 | MINNEAPOLIS | MN |
| 13 | 082000138 | P O BOX 291 | MINNEAPOLIS | MN |
| 14 | 091000080 | P O BOX 291 | MINNEAPOLIS | MN |
| 15 | 101000048 | PO BOX 291 | MINNEAPOLIS | MN |
| 16 | 103000240 | P O BOX 291 | MINNEAPOLIS | MN |
| 17 | 111000038 | PO BOX 291 | MINNEAPOLIS | MN |
| 18 | 112000011 | P O BOX 291 | MINNEAPOLIS | MN |
| 19 | 114000721 | P O BOX 291 | MINNEAPOLIS | MN |
| 20 | 121000374 | PO BOX 291 | MINNEAPOLIS | MN |
ACH US Routing Number – FEDERAL RESERVE BANK
When sending or receiving ACH transfers in the United States, the routing number is one of the key details needed to ensure funds reach the intended destination. Routing numbers identify the financial institution that holds an account, telling the transfer network where to direct the money. For banks that are part of the Federal Reserve System, getting the right routing number means understanding how Federal Reserve routing numbers work.
This article will examine Federal Reserve routing numbers, how they are structured, where to find them, and how to use them properly for ACH transfers. Mistakes with routing numbers can delay or even prevent funds from reaching the recipient, so verifying numbers is an important step for accurate transfers. Whether setting up direct deposits or sending wire transfers, Federal Reserve routing numbers are essential to move money securely.
What is the Federal Reserve?
Before diving into routing numbers, it helps to understand the basic role and structure of the Federal Reserve. The Federal Reserve, often referred to as “the Fed”, serves as the central bank of the United States. Its key functions include:
- Conducting monetary policy
- Maintaining stability of financial system
- Providing banking services to commercial banks and other depository institutions
- Facilitating various payment systems
The Federal Reserve consists of 12 regional banks located throughout the country, as well as Board of Governors and other supporting entities in Washington D.C. This network of regional banks allows the Federal Reserve to carry out operations nationwide. The 12 banks are located in cities like New York, San Francisco, Kansas City and Boston.
Within this decentralized system, some key responsibilities of the regional Reserve Banks include:
- Handling cash distribution
- Holding banking reserves
- Processing checks and electronic payments
It is this last duty – electronic payments – that gives rise to the need for Federal Reserve routing numbers.
Federal Reserve Routing Numbers
Routing numbers are always 9 digits, and serve to identify individual Federal Reserve branches. The range of routing numbers assigned to Fed branches appear as 021104800 to 021119960.
There are a few specific types of routing numbers used by the Federal Reserve:
Fedwire Routing Numbers
- Identify branches for Fedwire transfers
- Structure: 0XXXYYYYC
- XXX – District and territory
- YYY – City
- C – Branch
Customer Routing Numbers
- General purpose for customer transfers
- Structure: AAAAPPPBC
- AAAA – District and territory
- PPP – City
- B – Type of customer
- C – Branch
Institutional Routing Numbers
- Used by bank itself for transfers
- Same format as customer routing numbers
Routing numbers can usually be found printed on checks, bank statements, or looked up directly via the Federal Reserve website or customer service. On checks, routing numbers appear in the bottom left corner.
Using Federal Reserve Routing Numbers
Understanding the right type of routing number for different transfer needs is key for successful payments.
Wires and ACH Transfers
- For Fedwires, use the Fedwire routing number
- For direct bank-to-bank transfers, use institutional routing number
- For customer transfers like payroll, use customer routing number
Direct Deposits and Payments
- Confirm recipient’s account is held at a Federal Reserve branch
- Get appropriate customer routing number for bank customer
- Provide routing number to payer for inclusion in direct deposit or payment info
International Transfers
- Requires SWIFT code and specific bank instructions
- Routing number alone not sufficient for international money transfer
Tips for Verifying Numbers
- Double check digits and format against examples
- Confirm number corresponds to correct Federal Reserve branch
- Check digits against check or contact bank to validate
Accurate routing numbers are crucial – sending payments using the wrong details can lead to delays, fees, and other headaches. Taking the time to validate is worth avoiding these issues.
Routing Number Examples
Below are some examples of valid Federal Reserve routing numbers:
Fedwire Routing Number
- Federal Reserve branch in New York handling Fed wire transfers 021000015 is an example (see table above for accurate ACH Routing Number)
- Routing Number: XXXXXXXXX (Insert the specific routing number)
Customer Routing Numbers
- 021001039 – New York customer transfers
- 082000157 – Richmond customer transfers
- 101000187 – Kansas City customer transfers
These are examples (see table above for accurate ACH Routing Number)
ACH Routing Number: XXXXXXXXX (Insert the specific routing number)
Institutional Routing Numbers
- 091000019 – San Francisco Fed’s own routing number
Locating Specific Routing Numbers
When you need to find the routing number for a particular Federal Reserve branch or customer account, here are some options:
- Check the Federal Reserve website – they provide lookup tools and tables listing routing numbers by branch
- Contact the branch or customer service number for the region
- Refer to account statements, checks, or deposit slips for the number
- Bank websites often list account-specific routing details
Searching for “Federal Reserve routing number lookup” can help quickly find the right webpage or contact info. Having the city or customer name can help the lookup process.
Mistakes to Avoid
It’s easy for routing number mishaps to happen if not careful. Here are some common mistakes:
- Transposing digits of the routing number when entering into payments
- Using the wrong type of routing number for the transfer
- Assuming a routing number is still valid without verifying first
Rechecking details and validating the exact routing number for your specific transfer purpose can prevent costly errors. Also be sure to include any intermediate bank or account numbers needed, in addition to the routing number.
Frequently Asked Questions
FAQ 1: Can I use the same routing number for all my Federal Reserve transfers?
No, you need to use the specific routing number appropriate for each type of transfer. Fedwire, customer, and institutional routing numbers for Federal Reserve branches are all different.
FAQ 2: How do I know a routing number is for the Federal Reserve?
Federal Reserve routing numbers are always 9 digits long and fall within the range of 021104800 to 021119960. This helps identify them from regular bank routing numbers.
FAQ 3: Do Federal Reserve routing numbers ever change?
Fed routing numbers are fairly stable but can periodically change. It’s best to verify you have the current, correct routing number before initiating any transfers.
FAQ 4: Can I use a Federal Reserve routing number for an international wire?
No, international wires require a SWIFT code and other unique details. A domestic routing number alone is not sufficient.
FAQ 5: If I input the wrong routing number, can the transfer be recovered?
Unfortunately no, once a transfer goes through with an incorrect routing number, it can be very difficult, if not impossible, to get the funds back. Always verify numbers first.
Conclusion
Routing numbers are the key to ensuring ACH transfers through the Federal Reserve system reach their destination quickly and securely. By understanding the different types of Fed routing numbers and how to look them up, you can avoid costly errors and delays. Double checking routing details and confirming transfers is crucial. For any important financial transfer through the Federal Reserve, take time to validate the routing number.