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Appendix A to Part 229--Routing Number Guide to Next-Day Availability Checks and Local Checks

IMPORTANT NOTE:The Federal Reserve Board has not yet amended this section to reflect the changes to the Expedited Funds Availability Act made by the Economic Growth, Regulatory Reform, and Consumer Protection Act (EGRRCPA) of 2018. Those changes included the Pacific Islands territories within the definition of "state" under the Act, which would make Pacific Islands banks fall with the definition of "bank" in Regulation CC.


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]

Editor's Note:   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.]
    
01102110
01112111
01122112
01132113
01142114
01152115
01162116
01172117
01182118
01192119
02102210
02112211
02122212
02132213
02142214
02152215
02162216
02192219
02202220
02232223
02602260
02802280
03102310
03112311
03122312
03132313
03192319
03602360
04102410
04122412
04202420
04212421
04222422
04232423
04302430
04322432
04332433
04342434
04402440
04412441
04422442
05102510
05142514
05152515
05192519
05202520
05212521
05222522
05302530
05312531
05322532
05392539
05402540
05502550
05602560
05702570
06102610
06112611
06122612
06132613
06202620
06212621
06222622
06302630
06312631
06322632
06402640
06412641
06422642
06502650
06512651
06522652
06532653
06542654
06552655
06602660
06702670
07102710
07112711
07122712
07192719
07202720
07242724
07302730
07392739
07402740
07492749
07502750
07592759
08102810
08122812
08132813
08152815
08192819
08202820
08292829
08302830
08392839
08402840
08412841
08422842
08432843
08632863
08652865
09102910
09112911
09122912
09132913
09142914
09152915
09182918
09192919
092 2920
09212921
09292929
09602960
10103010
10113011
10123012
10193019
10203020
10213021
10223022
10233023
10303030
10313031
10393039
10403040
10413041
10493049
10703070
11103110
11113111
11133113
11193119
11203120
11223122
11233123
11303130
11313131
11403140
11493149
11633163
12103210
12113211
12123212
12133213
12203220
12213221
12223222
12233223
12243224
12303230
12313231
12323232
12333233
12403240
12413241
12423242
12433243
12503250
12513251
12523252

U. S. TREASURY CHECKS
0000 0050 5     0000 0051 8

POSTAL MONEY ORDERS


0000 0119 3     0000 0800 2

FEDERAL RESERVE BANKS


0110 0001 5     0720 0029 0
0111 0048 1     0730 0033 8
0210 0120 8     0740 0020 1
0212 0400 5     0750 0012 9
0213 0500 1     0810 0004 5
0220 0026 6     0820 0013 8
0310 0004 0     0830 0059 3
0410 0001 4     0840 0003 9
0420 0043 7     0910 0008 0
0430 0030 0     0920 0026 7
0440 0050 3     1010 0004 8
0510 0003 3     1020 0019 9
0519 0002 3     1030 0024 0
0520 0027 8     1040 0012 6
0530 0020 6     1110 0003 8
0539 0008 9     1120 0001 1
0610 0014 6     1130 0004 9
0620 0019 0     1140 0072 1
0630 0019 9     1210 0037 4
0640 0010 1     1220 0016 6
0650 0021 0     1230 0001 3
0660 0010 9     1240 0031 3
0710 0030 1     1250 0001 1
0711 0711 0    

FEDERAL HOME LOAN BANKS
0110 0053 6     0740 0101 9
0212 0639 1     0810 0091 9
0260 0973 9     0910 0091 2
0410 0291 5     1010 0091 2
0420 0091 6     1011 0194 7
0430 0143 5     1110 1083 7
0430 1862 2     1119 1083 0
0610 0876 6     1210 0070 1
0710 0450 1     1240 0287 4
0730 0091 4     1250 0050 3

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