


Here is the chequesum calculation method described below.
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If the end result does not equal the checksum number, the transaction gets flagged and rerouted for manual processing.

The checksum is a complicated mathematical expression using the first eight digits. D - Seventh digit designates which Federal Reserve district the bank is in.C - Sixth digit indicates which Federal Reserve cheque processing center was initially assigned to the bank.BB - Next two digits is designate which Federal Reserve bank the institution's electronic and wire transfers will route through.The digits are assigned as mentioned below. Within the 4 digits Federal Reserve Routing Symbol, the first two digits of the nine digits RTN must be in the ranges 00 through 12, 21 through 32, 61 through 72, or 80.AAAA - The first four digits is Federal Reserve routing symbol and it's represent the bank's physical location.YYYY - Next four digits is Financial Institution Identifier.įederal Reserve Bank the Institution's Electronic and Wire Transfers Will Route Through.Any Joint Upic Account Routing Number start with 21 as per bank's Federal Reserve District. 21XX - The first four digits is Federal Reserve routing symbol.MICR form is the more commonly used, and fraction form is very rare to see in 2023. MICR (magnetic ink character recognition) form.īoth of the forms contain the same information. Joint Upic Account or any banks in USA Routing Number is nine digit unique identification number.
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