How to Calculate Check Digits in Routing Numbers

How to Calculate Check Digits in Routing Numbers
Routing numbers on checks have "check digits" to confirm validity.

Multiply the first, fourth and seventh numbers in the routing number by 3. For example, if your routing number was 123456780, you would multiply 1, 4 and 7 by 3 to get 3, 12 and 21.

Multiply the second, fifth and eighth digit in the routing number by 7. Continuing the example, with a routing number of 123456780, you would multiply 2, 5 and 8 by 7 to get 14, 35 and 56.

Multiply the third and sixth digit in the routing number by 1. In this example with, you would multiply 3 and 6 by 1 to get 3 and 6.

Add the products from the first three steps. In this example, you would add 3, 12, 21, 14, 35, 56, 3 and 6 to get a total of 150.

Find the next highest multiple of 10, or use the result from Step 4 if it is a multiple of 10. In this example, 150 is a multiple of 10 so you use 150. However, if the result had been 151, you would have used 160.

Subtract sum of the products from the next highest multiple of 10 to find the check digit. In this example, you would subtract 150 from 150 to find that the check digit would be 0, which is the last digit in the routing number.