Trust Companies — routing number directory
Trust companies provide fiduciary, custody, estate, and investment-management services rather than (or in addition to) traditional retail banking. They are chartered by state banking departments and typically do not operate consumer branch networks; their FedACH presence supports trust-account distributions, custodial settlements, and beneficiary payments.
Largest trust companies by branch count
Browse trust companies by state
Each state-level page lists every institution in this category that has at least one FedACH-registered office in that state.
How trust companies use their routing numbers
Trust companies provide fiduciary, custody, estate, and investment-management services rather than (or in addition to) traditional retail banking. They are chartered by state banking departments and typically do not operate consumer branch networks; their FedACH presence supports trust-account distributions, custodial settlements, and beneficiary payments. 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.
Trust companies typically do not operate retail branches. Their FedACH presence supports trust-account distributions, custodial settlements, and beneficiary payments — for example, when a trust pays out a regular distribution to a beneficiary's bank account, the trust company originates an ACH credit using its own routing number. If you receive a recurring trust distribution, the routing number on the deposit will identify the trust company, not the underlying brokerage or bank.
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.