The Routing Numbers

Routing Number is a nine digits numerical codes used to identify an individual branch of a financial institution in United States (US). It appears on the bottom of negotiable instruments such as checks identifying the financial institution on which it was drawn.

The Routing Number is used for domestic transfer. To make money transfer, the Routing Number is used together with the bank account number of the recipient. For international inward money transfer, a SWIFT code must be used together with a Routing Number and Account Number.

The number is used by Federal Reserve Banks to process Fedwire funds transfers, and by the Automated Clearing House to process direct deposits, bill payments, and other such automated transfers.

The format of Routing Number is as follows;

AAAABBBBC

• the first four two digits (AAAA) is the Federal Reserve Routing Symbol.
• the next four digits (BBBB) is American Bankers Association (ABA) Institution Identifier.
• the last one digit (C) is the check digit.

BAY BANK, FSB in LUTHERVILLE, Maryland