How to Determine Fractional Routing Numbers

How to Determine Fractional Routing Numbers
Determine Fractional Routing Numbers

Take the first two digits of the nine-digit routing number, this is the prefix city or region where the bank is located.

Take the third and fourth digits of the nine-digit routing number, this is the institution ID for the bank.

Take the fifth digit of the nine-digit routing number, this is the issuing bank's branch number.

Take the last four digits of the nine-digit routing number, this is the Fed Bank ID number for the issuing bank.

Rewrite the routing number in the following format: prefix city - institution ID - issuing branch number / Fed bank number.