12 C.F.R. Appendix A to Part 229—Routing Number Guide to Next-Day Availability Checks and Local Checks
Title 12 - Banks and Banking
Link to an amendment published at 71 FR 32266, June 5, 2006. A. Each bank is assigned a routing number by an agent of the American Bankers Association. The routing number takes two forms: a fractional form and a nine-digit form. A paying bank generally is identified on the face of a check by its routing number in both the fractional form (which generally appears in the upper right-hand corner of the check) and the nine-digit form (which is printed in magnetic ink along the bottom of the check). Where a check is payable by one bank but payable through another bank, the routing number appearing on the check is that of the payable-through bank, not the payor bank. B. The first four digits of the nine-digit routing number (and the denominator of the fractional routing number) form the “Federal Reserve routing symbol,” and the first two digits of the routing number identify the Federal Reserve District in which the bank is located. Thus, 01 will be the first two digits of the routing number of a bank in the First Federal Reserve District (Boston), and 12 will be the first two digits of the routing number of a bank in the Twelfth District (San Francisco). Adding 2 to the first digit denotes a thrift institution. Thus, 21 identifies a thrift in the First District, and 32 denotes a thrift in the Twelfth District. C. Each Federal Reserve check processing office is listed below, followed by the Federal Reserve routing symbols of the banks that are located within the check-processing region served by that office. Because some check processing regions cross Federal Reserve District lines, there are some cases in which banks in different Federal Reserve Districts are located in the same check-processing region and therefore considered local to each other. For example, banks in Fairfield County, Connecticut are located in Second District and have Second District routing numbers (0211 or 2211), but the Windsor Locks office of the First District processes the checks of these banks. Thus, as indicated below, checks drawn on banks with 0211 or 2211 routing numbers would be local for First District banks served by the Windsor Locks office but would be nonlocal for other Second District depositary banks. First Federal Reserve District [Federal Reserve Bank of Boston] Windsor Locks Office 1 The first two digits identify the Federal Reserve District. For example, 01 identifies the First Federal Reserve District (Boston), and 12 identifies the Twelfth District (San Francisco). 2 Adding 2 to the first digit denotes a thrift institution. For example, 21 identifies a thrift in the First District, and 32 denotes a thrift in the Twelfth District. 3 Banks in Fairfield County, Connecticut, are members of the Federal Reserve Bank of New York and therefore have Second District routing numbers. Their checks, however, are processed by the Windsor Locks office. Thus, checks drawn on banks with 0211 or 2211 routing numbers would not be local checks for Second District depositary banks. Second Federal Reserve District [Federal Reserve Bank of New York] East Rutherford Office Utica Office Third Federal Reserve District [Federal Reserve Bank of Philadelphia] Head Office Fourth Federal Reserve District [Federal Reserve Bank of Cleveland] Head Office Cincinnati Branch Fifth Federal Reserve District [Federal Reserve Bank of Richmond] Baltimore Branch Charlotte Branch Sixth Federal Reserve District [Federal Reserve Bank of Atlanta] Head Office Jacksonville Branch Nashville Branch Seventh Federal Reserve District [Federal Reserve Bank of Chicago] Head Office Des Moines Office Eighth Federal Reserve District [Federal Reserve Bank of St. Louis] Head Office Memphis Branch Ninth Federal Reserve District [Federal Reserve Bank of Minneapolis] Head Office Helena Branch Tenth Federal Reserve District [Federal Reserve Bank of Kansas City] Head Office Denver Branch Eleventh Federal Reserve District [Federal Reserve Bank of Dallas] Head Office Twelfth Federal Reserve District [Federal Reserve Bank of San Francisco] Head Office Los Angeles Branch Seattle Branch U.S. Treasury Checks Postal Money Orders Federal Reserve Banks Federal Home Loan Banks [53 FR 19433, May 27, 1988; 53 FR 24251, June 28, 1988, as amended at 53 FR 31293, 31416, Aug. 18, 1988; 54 FR 13851, Apr. 6, 1989; Reg. CC, 55 FR 21855, May 30, 1990; 58 FR 2, Jan. 4, 1993; Reg. CC, 59 FR 48790, Sept. 23, 1994; 60 FR 51671, Oct. 3, 1995; 61 FR 25390, May 21, 1996; Reg. CC, 62 FR 26220, May 13, 1997; 68 FR 31596, May 28, 2003; 68 FR 52078, Sept. 2, 2003; 69 FR 1656, Jan. 12, 2004; 69 FR 6919, Feb. 12, 2004; 69 FR 10603, Mar. 8, 2004; 69 FR 19922, Apr. 15, 2004; 69 FR 25827, May 10, 2004; 69 FR 28820, May 19, 2004; 69 FR 35506, June 25, 2004; 69 FR 57839, Sept. 28, 2004; 70 FR 7380, Feb. 14, 2005; 70 FR 8717, Feb. 23, 2005; 70 FR 21133, Apr. 25, 2005; 70 FR 47086, Aug. 12, 2005; 70 FR 60420, Oct. 18, 2005; 70 FR 75000, Dec. 19, 2005; 70 FR 73129, Dec. 9, 2005; 70 FR 75000, Dec. 19, 2005]
Title 12: Banks and Banking
PART 229—AVAILABILITY OF FUNDS AND COLLECTION OF CHECKS (REGULATION CC)
Subpart D—Substitute Checks
Appendix A to Part 229—Routing Number Guide to Next-Day Availability Checks and Local Checks
0111
0112
0113
0114
0115
0116
0117
0118
0119
02113
21102
2111
2112
2113
2114
2115
2116
2117
2118
2119
22113
0212
0214
0215
0216
0219
0260
0280
2212
2214
2215
2216
2219
2260
0220
0223
2213
2220
2223
0311
0312
0313
0319
0360
2310
2311
2312
2313
2319
2360
0412
0430
0432
0433
0434
0440
0441
0720
0724
2410
2412
2430
2432
2433
2434
2440
2441
2720
2724
0421
0422
0423
0442
0515
0519
0740
0749
0813
0830
0839
0863
2420
2421
2422
2423
2442
2515
2519
2740
2749
2813
2830
2839
2863
0514
0520
0521
0522
0540
0550
0560
0570
2510
2514
2520
2521
2522
2540
2550
2560
2570
0531
0532
0539
2530
2531
2532
2539
0611
0612
0613
0620
0621
0622
0650
0651
0652
0653
0654
0655
2610
2611
2612
2613
2620
2621
2622
2650
2651
2652
2653
2654
2655
0631
0632
0660
0670
2630
2631
2632
2660
2670
0641
0642
2640
2641
2642
0711
0712
0719
0750
0759
2710
2711
2712
2719
2750
2759
0739
1040
1041
1049
2730
2739
3040
3041
3049
0812
0815
0819
0865
2810
2812
2815
2819
2865
0829
0840
0841
0842
0843
2820
2829
2840
2841
2842
2843
0911
0912
0913
0914
0915
0918
0919
0960
2910
2911
2912
2913
2914
2915
2918
2919
2960
0921
0929
2020
2921
2929
1011
1012
1019
3010
3011
3012
3019
1021
1022
1023
1070
1240
1241
1242
1243
3020
3021
3022
3023
3070
3240
3241
3242
3243
1031
1039
1110
1111
1113
1119
1120
1122
1123
1130
1131
1140
1149
1163
3030
3031
3039
3110
3111
3113
3119
3120
3122
3123
3130
3131
3140
3149
3163
1211
1212
1213
3210
3211
3212
3213
1221
1222
1223
1224
3220
3221
3222
3223
3224
1231
1232
1233
1250
1251
1252
3230
3231
3232
3233
3250
3251
3252
0000 0051 8
0000 0800 2
0111 0048 1
0210 0120 8
0212 0400 5
0213 0500 1
0220 0026 6
0310 0004 0
0410 0001 4
0420 0043 7
0430 0030 0
0440 0050 3
0510 0003 3
0519 0002 3
0520 0027 8
0530 0020 6
0539 0008 9
0610 0014 6
0620 0019 0
0630 0019 9
0640 0010 1
0650 0021 0
0660 0010 9
0710 0030 1
0711 0711 0
0720 0029 0
0730 0033 8
0740 0020 1
0750 0012 9
0810 0004 5
0820 0013 8
0830 0059 3
0840 0003 9
0910 0008 0
0920 0026 7
1010 0004 8
1020 0019 9
1030 0024 0
1040 0012 6
1110 0003 8
1120 0001 1
1130 0004 9
1140 0072 1
1210 0037 4
1220 0016 6
1230 0001 3
1240 0031 3
1250 0001 1
0212 0639 1
0260 0973 9
0410 0291 5
0420 0091 6
0430 0143 5
0430 1862 2
0610 0876 6
0710 0450 1
0730 0091 4
0740 0101 9
0810 0091 9
0910 0091 2
1010 0091 2
1011 0194 7
1110 1083 7
1119 1083 0
1210 0070 1
1240 0287 4
1250 0050 3
