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 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.
Fourth Federal Reserve District
[Federal Reserve Bank of Cleveland]
Head Office
1 0110
0111
0112
0113
0114
0115
0116
0117
0118
0119
0210
0211
0212
0213
0214
0215
0216
0219
0220
0223
0260
0280
0310
0311
0312
0313
0319
0360
0410
0412
0420
0421
0422
0423
0430
0432
0433
0434
0440
0441
0442
0510
0514
0515
0519
0520
0521
0522
0530
0531
0532
0539
0540
0550
0560
0570
0610
0611
0612
0613
0620
0621
0622
0630
0631
0632
0640
0641
0642
0650
0651
0652
0653
0654
0655
0660
0670
0710
0711
0712
0719
0720
0724
0730
0739
0740
0749
0750
0759
0810
0812
0813
0815
0819
0820
0829
0830
0839
0840
0841
0842
0843
0863
0865
0910
0911
0912
0913
0914
0915
0918
0919
0920
0921
0929
0960
1010
1011
1012
1019
1020
1021
1022
1023
1030
1031
1039
1040
1041
1049
1070
1110
1111
1113
1119
1120
1122
1123
1130
1131
1140
1149
1163
1210
1211
1212
1213
1220
1221
1222
1223
1224
1230
1231
1232
1233
1240
1241
1242
1243
1250
1251
1252
2111
2112
2113
2114
2115
2116
2117
2118
2119
2210
2211
2212
2213
2214
2215
2216
2219
2220
2223
2260
2280
2310
2311
2312
2313
2319
2360
2410
2412
2420
2421
2422
2423
2430
2432
2433
2434
2440
2441
2442
2510
2514
2515
2519
2520
2521
2522
2530
2531
2532
2539
2540
2550
2560
2570
2610
2611
2612
2613
2620
2621
2622
2630
2631
2632
2640
2641
2642
2650
2651
2652
2653
2654
2655
2660
2670
2710
2711
2712
2719
2720
2724
2730
2739
2740
2749
2750
2759
2810
2812
2813
2815
2819
2820
2829
2830
2839
2840
2841
2842
2843
2863
2865
2910
2911
2912
2913
2914
2915
2918
2919
2920
2921
2929
2960
3010
3011
3012
3019
3020
3021
3022
3023
3030
3031
3039
3040
3041
3049
3070
3110
3111
3113
3119
3120
3122
3123
3130
3131
3140
3149
3163
3210
3211
3212
3213
3220
3221
3222
3223
3224
3230
3231
3232
3233
3240
3241
3242
3243
3250
3251
3252
1 The first two digits identify the bank's Federal Reserve District. For example, 01 identifies the First Federal Reserve District (Boston), and 12 identifies the Twelfth District (San Francisco). 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.
Federal Reserve Banks
0110 0001 5
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
Federal Home Loan Banks
0110 0053 6
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
Editorial Note:
For Federal Register citations affecting appendix A to part 229, see the List of CFR Sections Affected, which appears in the Finding Aids section of the printed volume and at www.govinfo.gov.
