A routing transit number (RTN) is a nine-digit code used to identify a bank or financial institution when clearing funds for electronic transfers or processing checks in the United States. The American Bankers Association (ABA) developed the system in 1910 to facilitate the sorting, bundling, and delivering of paper checks to the drawers (check writers) bank for debit to the drawers account. The RTN is printed on the bottom of checks to identify the financial institution on which it was drawn.
RTNs are also used in online banking and clearinghouses for financial transactions. Only federally chartered and state-chartered banks that are eligible to maintain an account at a Federal Reserve Bank are issued routing transit numbers. The Federal Reserve Bank uses RTNs in processing Fedwire funds transfers, and the ACH Network also uses RTNs in processing direct deposits, bill payments, and other automated money transfers.
To find your routing number, you can check the bottom left corner of a check, log into your online banking account and select the desired account, or use the Huntington Mobile app. The ABA has partnered with a series of registrars, currently Accuity, to manage the ABA routing number system since 1911.
