ACH US Routing Number – INTERBANK

Routing NumberAddressCityState
14111905230455 ELMGRAHAMTX

ACH US Routing Number – INTERBANK Routing Numbers Explained

ACH routing numbers are essential for facilitating bank transfers in the United States. Understanding what they are and how they work enables smooth payments between banks. This guide will explain ACH routing numbers, their purpose, structure, and how to find your bank’s routing number.

What is an ACH Routing Number?

An ACH routing number is a 9-digit code that identifies the financial institution through which electronic money transfers flow. It directs payments through the Automated Clearing House (ACH) network to the correct bank account.

The ACH network facilitates bank-to-bank transfers, direct deposits, and bill payments within the US. An ACH routing number ensures your money goes where intended securely and efficiently.

Purpose of Routing Numbers

ACH routing numbers serve two key purposes:

  • Identifying the beneficiary’s bank
  • Directing transfers to the appropriate financial institution

The routing number tells the ACH network where to send your money. This ensures your funds reach the intended recipient instead of getting lost.

Structure of ACH Routing Numbers

ACH routing numbers follow a specific 9-digit format:

  • First 2 digits – Federal Reserve Routing Symbol
  • Next 4 digits – FDIC Institution Identifier
  • Final 3 digits – Account-type identifier

For example: 103000703

  • 03 – Federal Reserve Symbol
  • 1301 – Bank Identifier
  • 234 – Account Type

This standardized format enables accurate routing through the ACH network.

How Routing Numbers Work

When you initiate a bank transfer, the routing number tells the ACH network to direct funds to the specified financial institution.

For incoming payments, the receiving bank’s system recognizes its routing number and credits the funds into the correct account.

So routing numbers act like ZIP codes for money transfers, ensuring funds go where intended.

Where to Find Your Routing Number

Your bank’s routing number can be found in several places:

  • Bottom of your checks
  • Online banking portal
  • Bank statements
  • Contacting your bank

Most banks also provide routing number lookup tools on their websites. Entering your account details will display the correct number.

Fedwire Routing Numbers

Fedwire routing numbers facilitate real-time gross settlements between banks. They support higher-value and time-sensitive transfers than ACH.

Fedwire routing numbers are also 9 digits but structured differently to ACH routing numbers. Key differences are covered later in this article.

Differences Between Fedwire and ACH Routing Numbers

While both identify financial institutions, Fedwire and ACH routing numbers differ in the following ways:

  • Speed – Fedwire moves funds instantly while ACH takes 1-3 business days
  • Transaction size – No upper limit for Fedwire while ACH transfers are typically smaller
  • Cost – Sending via Fedwire costs more as it’s faster
  • Structure – Fedwire routing numbers don’t use the account type identifier

So if speed is critical, use your bank’s Fedwire number. For regular transfers, the ACH routing number will suffice.

Validating Routing Numbers

To check if a routing number is legitimate, validation tools can confirm accuracy and institution details.

The Federal Reserve Bank provides an online lookup tool to verify routing numbers and get a bank’s contact information.

Entering an invalid number will return an error, signaling potential fraud.

Common Errors with Routing Numbers

Some common routing number mistakes include:

  • Transposing digits
  • Using the wrong routing number type
  • Outdated numbers after bank mergers
  • Inaccurate account numbers

Double-checking routing and account numbers before sending payments avoids costly errors and delays.

Protecting Your Routing Number

While routing numbers aren’t particularly sensitive, it’s prudent to keep them protected:

  • Don’t share your routing number publicly
  • Be wary of any unsolicited requests for the number
  • When paying bills online, use secure websites

Exercising basic security measures helps prevent abuse of your banking details.

Routing Numbers for Wire Transfers

Domestic wire transfers within the US require a routing number to direct funds.

Key details needed for wires include:

  • Your routing number
  • Recipient’s routing number
  • Account numbers
  • Wire amount

International wires also need the SWIFT code instead of domestic routing numbers.

Routing Number Lookup Tools

To find routing numbers easily, the Federal Reserve’s official ABA Routing Number Lookup tool can validate accurate numbers.

Large banks also provide their own routing number search tools for customer convenience. This enables easy lookup of routing numbers, account numbers, and branch details.

Frequently Asked Questions

What is the difference between wires, ACH, and checks?

  • Wires instantly move money between banks for a fee
  • ACH batch-processes preauthorized transfers for lower cost
  • Checks use physical checks to facilitate payments

Where is my routing number on a check?

Your routing number is the 9-digit code at the bottom-left corner of checks, before the account number.

Can I use the same routing number for different bank accounts?

No, each bank account has its own unique routing number for accurate transfers.

Are routing numbers the same internationally?

No, only US and Canada use ABA routing numbers. SWIFT codes enable international transfers.

What is the purpose of a routing number?

The purpose is to identify beneficiary banks and direct transfers to the correct financial institution through the ACH network. Like a ZIP code for money, it ensures funds go to the intended account.

How do I find my bank’s routing number?

You can find your routing number at the bottom of checks, on your bank statement, through your online banking portal, or by contacting your bank directly. Most banks also have online lookup tools.

Can I use the routing number for incoming transfers?

Yes, the routing number helps receiving banks identify and credit incoming payments to the appropriate account based on the account number.

What happens if I enter the wrong routing number?

An incorrect routing number may result in delays or transfers being rejected and funds returned to the sender. Always verify the accuracy before initiating payments.

Do Fedwire and ACH routing numbers have the same format?

Both are 9 digits but structured differently – Fed wire routing numbers don’t use an account type identifier. Key differences relate to speed, transaction size, and cost.


ACH routing numbers are indispensable for seamless bank payments within the US. Verifying their accuracy helps avoid transfer hiccups and ensures your money moves as intended.

While similar, the Fed wire system facilitates real-time, urgent transfers compared to ACH batch payments. Understanding this key difference and following security best practices will keep your banking details safe.

Equipped with this guide, you can now handle US bank transfers confidently using routing numbers.

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