ABA RTN

US bank identifier for domestic ACH and Fedwire payments.

Definition

The RTN is 9 digits: the first 4 are the Federal Reserve routing symbol, the next 4 the ABA institution identifier, and the 9th is a check digit. Validation applies repeating weights 3-7-1, where (3(d1+d4+d7)+7(d2+d5+d8)+(d3+d6+d9)) mod 10 = 0.

Origin

Introduced in 1910 by the American Bankers Association; number assignment is run by the official registrar (Accuity/LexisNexis Risk Solutions) under the ABA Routing Number Policy, and RTNs are used by the Federal Reserve for Fedwire and ACH.

Example in context

021000021 — JPMorgan Chase (New York): routing symbol 0210, institution 00002, check digit 1.

Related terms

• CLABE — the 18-digit Mexican equivalent.