Routing Number Generator
Generate US ABA routing numbers
XXXXYYYC
Click 'Generate' to create your first XXXXYYYC
About ABA Routing Number Generator
ABA routing number generator creates valid 9-digit US banking identifiers following Federal Reserve guidelines for testing and fintech development. Generated numbers include proper Federal Reserve district codes (01-12), Thrift institution codes (21-32), Electronic codes (61-72), and accurate check digit calculation using the ABA mod 10 algorithm. Perfect for check processing testing, payment system development, ACH transfers, and banking application validation.
Generate properly formatted routing numbers with correct Federal Reserve routing symbols and institution identifiers. The tool implements the official ABA check digit algorithm where the sum of (digit × weight) mod 10 equals 0, using weights 3,7,1,3,7,1,3,7,1. Supports all three institution types (Federal Reserve banks, Thrift institutions, Electronic processing), all 12 Federal Reserve districts, and provides both formatted (XXXX-YYYY-C) and unformatted output options with bulk generation and validation capabilities.
Essential for fintech application testing, payment processing development, check processing system validation, ACH transfer testing, wire transfer application development, and banking integration testing. Perfect for payment gateway development, financial API testing, and regulatory compliance validation in development environments.
All generated routing numbers pass official ABA validation algorithms with mathematically correct check digits. The tool ensures your payment processing applications handle routing numbers correctly during development, supporting proper validation of check processing, ACH transfers, and wire transfer systems while maintaining realistic distribution across Federal Reserve districts, Thrift institutions, and Electronic processing centers.
Key Features
- Valid 9-digit ABA routing number format
- Accurate mod 10 check digit calculation
- All 12 Federal Reserve districts supported
- Thrift institutions support (21-32)
- Electronic processing support (61-72)
- Federal Reserve routing symbol structure
- Formatted and unformatted output
- Bulk generation for testing
- Fintech and payment testing optimized
- No real bank association
Routing Number Generator Frequently Asked Questions
Are these real bank routing numbers?
No, these are test routing numbers generated for development and fintech testing only. They follow the correct ABA format and check digit algorithm but are not assigned to real financial institutions.
Can I use these routing numbers for real transactions?
Absolutely not. Using fake routing numbers for real banking transactions, payments, or ACH transfers is illegal and will result in transaction failures and potential fraud charges.
How does routing number validation work?
Routing number validation uses the ABA mod 10 algorithm. The first 8 digits are multiplied by specific weights (3,7,1,3,7,1,3,7), summed, and the check digit is calculated so the total sum is divisible by 10.
What do the routing number digits mean?
The first 4 digits are the Federal Reserve routing symbol indicating the Fed district and office. Districts 01-12 are Federal Reserve banks, 21-32 are Thrift institutions, and 61-72 are Electronic processing centers. The next 4 digits identify the specific financial institution. The last digit is a check digit for validation.
What's the difference between Federal Reserve, Thrift, and Electronic routing numbers?
Federal Reserve routing numbers (01-12) are for traditional banks. Thrift routing numbers (21-32) are for savings and loan associations, credit unions, and similar institutions. Electronic routing numbers (61-72) are used for electronic payment processing and ACH transactions.
Why do I need test routing numbers?
Test routing numbers are essential for developing and testing payment processing systems, check processing applications, ACH transfer systems, and banking APIs without using real banking data.
Fintech Testing Best Practices
- Never use real routing numbers in test environments
- Validate routing numbers using the ABA mod 10 algorithm
- Test with routing numbers from different Federal Reserve districts
- Implement proper validation in payment processing flows
- Use these numbers only for development and testing purposes