What’s A Routing Transit Number?

Each United States operating bank or depository institution has it’s own transit number or “routing number”.It is a nine digit code, which identifies the issuing bank for check sorting, funding, wire transfers and ACH transactions (debits/credits). You see them as those funny looking numbers on the bottom edge of a check or treasury warrant. That funny type font is usually printed in magnetic ink and is read by a magnetic ink character reader, called a “MICR.”
Today, newer technology can read them optically with an optical character reader (OCR), which has reduced the requirement of magnetic ink.This code was originated by the American Bankers Association (ABA) in 1911, and they remain the numbering assignment authority today. For years, the number has been publically referred to as the ABA Number®, which is a trademark of the ABA. More commonly though is referred to as an “RTN” or routing number. Before the advent of MICR machines in the late 1950’s, all checks had the fractional format (XX-XX/XXXX). Oftentimes, these fractional codes are what people write on their deposit slips. These numbers can be converted via an algorithm into their 9-digit equivalent.

What is a Routing Number?

.A routing number or routing transit number is a 9 digit number that identifies financial institution in a transaction and the location where your bank account was opened. Most common types of transaction are ACH and wire transfers. You’ll often be asked for your checking account routing number when you’re making a payment online or by phone. Some banks and financial institutions usually have multiple routing numbers serving different purposes, geographical regions and branches.
Therefore it is important to ensure that you are using correct routing number before you initiate a money transfer. A routing number can also be referred to as a RTN, a routing transit number or an ABA routing number and can be easily be found printed on the bottom of a check or in the online banking portals of the financial institutions.

When you’ll need your routing number?

A routing number is required in a variety of situations, including setting up direct deposit, automatic loan payments or recurring transfers like bill payments.You’ll also need it when you file taxes to receive your tax refund or debit a tax payment, or when you conduct Automated Clearing House (ACH),
transfers between different bank accounts. Generally, you’ll only need your routing number when funds are being directly transferred to or from your bank account — never for debit card or credit card purchases.

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How to identify the routing number


NFCU (old routing number)255077451
NFCU (new routing number)256074974



The Navy Federal Credit Union serves 7.5 million military members and their families and is the world’s largest credit union.
The only Navy Federal wiring info you need is the company’s routing number. Navy Federal uses the same number for international wire transfers as it does for direct deposits and checks.
International wire transfers also sometimes require a Swift Code, a series of eight to 11 characters including both numbers and letters.  Navy Federal does not use this code, but other banks and credit unions do.

Navy Federal wiring info you need is the company’s routing number. Navy Federal uses the same number for international wire transfers as it does for direct deposits and checks. Other financial institutions; however, opt to use a separate routing number for wire transfers, so it is important to check with the specific bank or credit union to determine if this is the case, and if so, what the wire transfer routing number is.

Image result for Navy Federal Credit Union bank cheques images
How to identify the NFCU routing number on cheques



You can also find Mountain America Credit Union Routing Number

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