ABA Routing Number Verifier

What this tool does

The ABA Routing Number Verifier helps accounting professionals confirm that a routing number is valid and belongs to the right institution — before initiating a wire transfer or ACH payment on behalf of a client.

It validates routing numbers using a three-layer process: format check, ABA checksum, and live registry lookup. It also lets you look up routing numbers by institution name.

Verify Number

Use this when a client has given you a routing number and you want to confirm it is correct.

1. Enter the 9-digit routing number in the Routing Number field. Spaces and dashes are stripped automatically.
2. Optionally enter the institution name your client told you (e.g. "Chase Bank"). The tool will cross-check it against the registry.
3. Click Verify.

Result states

VALID

The number passes format, checksum, and registry checks. The institution name and address are confirmed. If you provided an institution name, it matches.

INVALID

The number failed the format or checksum check — most likely a typo. No registry lookup was performed. Check the number and try again.

WARNING

The number is valid and found in the registry, but the institution name you entered doesn't match what the registry shows. Review the returned institution name carefully before proceeding.

NOT FOUND

The number passes the checksum but is not in the registry. It may belong to a defunct institution or may not yet be listed. Verify directly with the receiving institution.

Look Up Institution

Use this when you know the institution name and need to find its routing number.

1. Enter the institution name (partial names work — e.g. "wells" will find Wells Fargo).
2. Click Look Up.
3. Review the results. Multiple routing numbers may exist for the same institution (different regions or account types). Use Verify Number to confirm the specific number your client provided.

Results are sorted by relevance and paginated 10 at a time.

Brokerages and investment firms

Brokerage firms like Edward Jones, Fidelity, and Charles Schwab are not banks — they don't hold their own ABA routing numbers. Client accounts at these firms are held at an underlying clearing bank, and that bank's routing number is what appears on account statements.

The tool recognizes the most common brokerage-to-clearing-bank relationships and will display an explanatory note when it identifies one. For example, if you look up "Edward Jones," the tool will explain that Edward Jones accounts route through Northern Trust Company and show Northern Trust's routing numbers.

If a brokerage is not recognized, contact the firm directly for wire instructions — they will provide the correct routing number and beneficiary account details.

Recognized brokerages (as of June 2026)

• Edward Jones → Northern Trust Company
• Fidelity → UMB Bank NA
• Charles Schwab / TD Ameritrade → Schwab Bank SSB
• Vanguard → JPMorgan Chase Bank NA
• Merrill Lynch / Merrill Edge → Bank of America NA
• Morgan Stanley / E*TRADE → Morgan Stanley Bank NA
• UBS → UBS AG
• Raymond James → Raymond James Bank NA
• Goldman Sachs / Marcus → Goldman Sachs Bank USA
• Robinhood → Sutton Bank
• LPL Financial → Bank of New York Mellon
• TIAA Brokerage → Bank of New York Mellon
• Northwestern Mutual → Bank of New York Mellon (via Pershing)
• Wells Fargo Advisors → Wells Fargo Bank NA (via First Clearing)
• JP Morgan Self-Directed → JPMorgan Chase Bank NA
• Ameriprise → Ameriprise Bank FSB
• Betterment → nbkc bank
• Wealthfront → UMB Bank NA
• Transamerica → Bank of New York Mellon (via Pershing)

Clearing relationships change when firms merge or switch banking partners. Always confirm with the institution directly for high-value transfers.

Limitations

• ABA routing numbers only. SWIFT codes and IBAN numbers (used for international transfers) are not supported.
• Data freshness. The registry is sourced from the Federal Reserve and refreshed quarterly. Newly chartered institutions or recent mergers may not appear immediately.
• Not a compliance tool. This tool does not perform OFAC sanctions screening, KYC verification, or fraud detection. It confirms that a routing number is structurally valid and registered — not that a transfer is appropriate or safe to make.

Contact

Questions or issues: mike@g8slab.com