Is my routing number the same as an automatic clearing house (ACH) routing number? (2024)

FAQs

Is my routing number the same as an automatic clearing house (ACH) routing number? ›

Is my routing number the same as an automatic clearing house (ACH) routing number? Yes. Your bank routing number is the nine-digit number associated with your checking account. The term ACH just refers to the method in which the money is moved.

ABA routing numbers encompass all routing numbers, including ACH. That means all ACH routing numbers are technically ABA routing numbers, though your bank may have a special ACH routing number for electronic transfers.

What is a clearing code? A National Clearing Code (NCC) is needed for making a payment to an account that doesn't have an IBAN. They are also known as Routing Codes. If you have a SWIFT/BIC or IBAN code then you don't need an NCC.

This is often the case with big banks such as Bank of America and Chase Bank, which have two routing numbers in some states. Banks also can have separate routing numbers for different types of transactions — one for processing paper checks and another for wire transfers, for example.

The ACH routing number for Chase is also 021000021. The domestic and international wire transfer routing number for Chase is 21000021.

know that banks have two separate routing numbers. One for wire transfers and one for ACH transfers. If you used your banks wire transfer number it will still go to your bank but the banks computer systems will not know where to put the money and there is a good chance they will reject it.

You can find the ABA Routing Number at the bottom of your checks. The ABA Routing Number is the left-most number, followed by your account number, and then by the number of the check.

The routing number for Chase in California is 322271627 for checking and savings account. The ACH routing number for Chase is also 322271627.

Which routing number do I use for automatic payments? ›

And while they do have similarities — and an ACH routing number is an ABA routing number — there are differences between ACH and ABA routing numbers: ABA routing numbers are used for paper or check transfers. ACH routing numbers are used for electronic transfers.

If you attempt a transaction with the wrong routing number, it will usually fail to process. However, in a worst-case scenario, money could be deposited into the wrong account. If you accidentally give someone the wrong routing number, get in touch as soon as possible to correct the error.

If you hold two accounts at the same bank, the routing numbers will, in most cases, be the same, but your account numbers will be different. Anyone can locate a bank's routing number, but your account number is unique to you, so it is important to guard it, just as you would your Social Security number or PIN code.

The main difference between ACH and wire transfers is that ACH transfers are done through the Clearing House Network, while wire transfers are completed from bank to bank.

An ACH transfer is completed through a clearing house — a network of financial institutions — and is used most often for processing direct deposits or payments. A wire transfer is typically used for high-value transactions and is completed through a bank, which makes it faster, but it does have a fee.

An ABA number (also known as routing number or routing transfer number) is a sequence of nine numeric characters used by banks to identify specific financial institutions within the United States.

Bank of America uses two sets of routing numbers for electronic payments and paper transactions.

ACH stands for Automated Clearing House, a U.S. financial network used for electronic payments and money transfers.