RTN Number Validator
Verify any Routing Transit Number (RTN) instantly using the official ABA checksum algorithm or generate valid codes for testing.
Validator
Secure Verification
Checksum Algorithm
RTNs use a weighted Modulo 10 algorithm: 3(d1+d4+d7) + 7(d2+d5+d8) + 1(d3+d6+d9) must be a multiple of 10.
RTN Generator
Instant Test Data
Understanding the RTN Identifier
What is an RTN?
The Routing Transit Number (RTN), also known as an ABA Routing Number, is a nine-digit code used by financial institutions in the United States to identify themselves.
It was originally developed by the American Bankers Association (ABA) to facilitate the sorting, bundling, and shipment of paper checks. Today, it is critical for electronic transactions.
RTN Structure & Validation
The 9 digits of an RTN are structured as follows:
- Digits 1-2: Federal Reserve District (01-12, 21-32, etc.)
- Digit 3: Federal Reserve Check Processing Center
- Digit 4: State/City Identifier
- Digits 5-8: ABA Institution Identifier
- Digit 9: Check Digit
Where to Find Your RTN?
You can find your routing transit number at the bottom left of your checks. It is the first set of numbers, followed by your account number.
Frequently Asked Questions
Is RTN the same as ABA Routing Number?
Yes, Routing Transit Number (RTN) and ABA Routing Number are different names for the same 9-digit identifier used in the US banking system.
Is this tool free?
Yes, our RTN validator and generator is 100% free. We do not store or transmit any banking data you enter.
How many RTNs can a bank have?
Large banks often have multiple routing numbers depending on the state, region, or the type of transaction (ACH vs. Wire).
What happens if I use the wrong RTN?
Using an incorrect RTN will usually cause a transaction to be rejected by the receiving bank, potentially leading to delays or fees.