Appendix A to Part 229--Routing Number Guide to
Next-Day Availability Checks and Local Checks
A. Each bank is assigned a routing number by an agent for 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.
[Editor's note: The practice of assigning numbers in the 21 through 32 series to thrifts ended in 1985. Some thrift charters have been merged into banks and the thrift's routing number assumed by the surviving bank. Thus, the "rule" about numbers in the two ranges -- 01 through 12 and 21 through 32 -- can only be considered approximate at best.]
C. [Removed, effective 12/12/2009]
A Note to BOL Users: Beginning in 2003, the Federal Reserve started a consolidation of check processing regions. As consolidation plans have developed, the FRB has amended this Appendix periodically to reflect the new regions' coverage. With each transfer of check processing, the Fed issues updates to this Appendix, 2 - 3 months in advance of the transfer date, to allow banks that impose holds in accordance with § 229.12 to both update their local/non-local routing number lists for processing, and make appropriate consumer notification of the added local check numbers.
That consolidation was completed on 2/26/2010, and the most recent amendment to this Appendix, which consolidated all bank routing numbers under the Main Office of the Cleveland Federal Reserve Bank, was effective on 2/27/2010.
FOURTH FEDERAL RESERVE DISTRICT [Federal Reserve Bank of Cleveland]
Head Office
[Editor's Note: 1214 and 3214 routing numbers are assigned to the "Pacific island banks" described in § 229.43 of the Regulation. They are not listed here because those banks don't meet the definition of "bank" in § 229.2, and checks drawn on those banks are not subject to Subpart B of the regulation.]
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