If you found yourself here, that means you’re in need of your America First Credit Union routing number. You’ll include the ACH routing number to send an ACH transfer to your America First account.
What Is My First Routing Number in America?
324377516 is the America First Credit Union Routing Number and is the same for the every state.
What Is a Routing Number?
Basically, a routing number is a code consisting of nine digits appointed for each bank to find themselves and use in transfer of money to each other. The complete tubular routing number can be established under various names, like ABA or routing transit numbers.
Routing numbers are generally used for transfers of wire from one institution to another. Something like a Social Security number, no two financial institutions like banks or credit unions can have the same routing number, they are different from one another but some huge institutions have many routing numbers according to the geographical region.
While many people get confused between routing numbers and SWIFT numbers as they are similar but there is a slight difference between them. SWIFT numbers are used to get a distant or international money transfer. There is some usage of routing numbers as listed by America’s first website like using “direct deposit, wire transfers, tax purposes, paying utilities” and many more.
How Does a Routing Number Work?
The American Bankers Association was the first to use routing numbers in 1911. That is why they’re also known as ABA numbers. The digits present in the routing number aren’t random digits. Every digit shows a specific attribute about the bank:
The very first four digits of routing number are called the Federal Reserve Processing Symbol. The first two digits deal with the head branch of the Federal Reserve district that serves the bank. The third digit of the routing number shows the Federal Reserve processing center given to the bank. The fourth digit specifically indicates the bank’s location.
The next four digits are actually random digits, given to every bank as per the ABA.
The final digit present in the routing numbers is the “check digit” that proves the validity of the bank.
By the use of these numbers, banks don’t make fraud impossible but it allows banks or financial institutions to “talk” to each other so they know where the funds are coming from and going to. Most importantly, routing numbers are used to recognize banks during financial transactions to confirm that the funds are received and given by the right parties.
Other Ways To Search Your America First Routing Number
You can search for the routing number in the check. Most probably, it is present on the lower left corner of the check. Additionally, you can call the bank at 800-999-3961, or visit its website to confirm you have the correct routing number.
Don’t confuse your account number and routing number, routing number is nine digits code but account number is given by the bank to you personally in order to provide a number for transfers and wires.
Where can I Search for My Bank’s Routing Number Without a Check?
If you don’t have a checkbook then it’s very easy to search your routing number of the bank. One method is to login to your online banking account and check your bank’s personal details there. You can also search it online by typing your bank’s name and “routing number.” But , confirm first that the details you search are from a trusted source, such as the American Bankers Association. Also, you can check for the respective routing number in your monthly statement.
Frequently Asked Questions
Basically, the routing number is a code consisting of nine digits, each bank has a unique routing number to recognize themselves and use to transfer money to each other.
Routing number is present on the lower left corner of a check. Don’t get confused between account number and routing number.
The routing number is a 9-digit number assigned for a specific bank to identify itself, while the account number identifies a unique bank account. To do a money transfer, you’ll need both.
The ABA (American Bankers Association) number is in fact a routing number. Routing numbers were created by ABA in 1910 and they are also known as routing transit numbers.
Conclusion
In the end, we can say that the routing number is a nine digit unique code given to each bank for their identification. We can check for the routing number in the checkbook or on the website by entering the bank name and its routing number. Do you know: How to open a U.S bank account? This is the basic need for every individual to open their bank account.
Author
Hello friends, my name is RK Singh and I am an engineer. However, by profession, I am a blogger; I have a keen interest in the finance niche. My main goal in starting this blog is to solve the difficulties people face in using online banking, bank branch codes, debit cards, and credit cards. I am not affiliated with any bank or company. I strive to provide people with accurate information so that they can achieve their goals correctly. If you still have any queries, please feel free to follow my social media accounts listed below and ask questions without hesitation. Thanks.
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