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 [53 FR 19433, May 27, 1988] 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.