Routing numbers by US state
Choose a state or US territory to see every bank and credit union registered there in the Federal Reserve FedACH directory, along with each institution's primary ABA routing number, address, and contact phone.
How routing numbers map to states
The first four digits of every nine-digit US routing number — known as the Federal Reserve Routing Symbol — were originally assigned by geography. The country was split into twelve Federal Reserve districts, and each district was further subdivided into territories with their own four-digit prefixes. Even today, you can usually tell which Federal Reserve bank settles a transaction by looking at the first two digits of the routing number: 01–02 are settled in Boston, 03 in Philadelphia, 04 in Cleveland, 05 in Richmond, 06 in Atlanta, 07 in Chicago, 08 in St. Louis, 09 in Minneapolis, 10 in Kansas City, 11 in Dallas, and 12 in San Francisco.
That historic geography is why a single bank can carry many different routing numbers — one for each state or region in which it acquired a local charter. When you set up direct deposit or an ACH transfer, the routing number you should use is the one tied to the state where your account was originally opened, not the state you currently live in. The state-level pages below organize the FedACH directory by registered office location to make that lookup easy.
Why some states have more entries than others
States with major financial-services hubs — New York, California, Texas, Illinois — tend to have thousands of entries because they host the headquarters of the largest national banks plus dense populations of community banks and credit unions. Smaller-population states still typically have a few hundred entries, dominated by local community banks and state-chartered credit unions. The number of routing numbers in a state is not a measure of how "good" the banking is there, only of how many distinct chartered institutions are headquartered or have a registered office within its borders.