Savings Banks & Thrifts — routing number directory
Savings banks, savings & loan associations, and thrifts are deposit institutions historically focused on residential mortgage lending and consumer savings. They are regulated by the OCC (federal thrifts) or state banking departments and are members of the FDIC like commercial banks. Their charters often have legacy names ending in "FSB" or "SB."
Largest savings banks & thrifts by branch count
Browse savings banks & thrifts by state
Each state-level page lists every institution in this category that has at least one FedACH-registered office in that state.
How savings banks & thrifts use their routing numbers
Savings banks, savings & loan associations, and thrifts are deposit institutions historically focused on residential mortgage lending and consumer savings. They are regulated by the OCC (federal thrifts) or state banking departments and are members of the FDIC like commercial banks. Their charters often have legacy names ending in "FSB" or "SB." When you set up direct deposit, schedule a wire, or link an external account at one of these institutions, the same nine-digit ABA routing number identifies the bank within the US payments system — but the operational nuances differ from category to category.
Savings banks, savings & loan associations, and federal savings banks (FSBs) typically publish a single routing number that supports the standard ACH suite — direct deposit, bill-pay, and external account linkage. Wire support is more variable: some FSBs route wires through a correspondent bank rather than directly through Fedwire, which means an incoming wire can take an extra business day to settle. Confirm with your FSB before initiating a same-day wire.
Verify before you send
Whichever category your bank falls into, confirm the routing number with the institution itself before sending a large or time-sensitive payment. The Federal Reserve does not penalize a bank for accepting a misrouted ACH or wire — the cost of fixing the mistake falls almost entirely on the sender. Cross-reference the number on this page with the one printed on your most recent paper check, the routing number shown inside your online banking dashboard, and the W-9 issued by your bank for tax purposes. All three should match.