Find & Validate Your US Bank Routing Number

When sending or receiving money through a US bank, always verify the routing number first. Entering one wrong digit can cause failed payments, processing delays, or extra charges.

MTFX helps businesses avoid these issues with its Routing Number Lookup tool. It instantly validates US bank routing numbers, giving you peace of mind before any transfer. Whether it’s a wire payment, ACH transfer, or incoming funds, this tool ensures every transaction is fast, accurate, and secure.

What is a routing number, and why does it matter?

A routing number is a 9-digit code that identifies a bank in the US system. Also called an ABA or transit number, it directs payments to the correct financial institution. It is required for direct deposits, ACH payments, wire transfers, and bill payments. The routing number ensures your funds reach the right destination safely.

Entering the wrong routing number can cause payment delays, rejections, or misapplied funds, often with added fees. MTFX lets you validate routing numbers online before sending or receiving money. The Routing Number Lookup tool confirms bank details, reduces transfer errors, and keeps your payments secure.

Which routing number should you use?

Banks in the US may use different routing numbers for each transaction type. The number on a cheque might not work for ACH or wire payments. Each payment method uses its own routing code to ensure accurate processing.

Before sending or receiving money, confirm the correct routing number with your bank or the MTFX Routing Number Lookup tool. This step helps prevent delays, errors, and rejected payments. It ensures your funds reach the correct destination safely.

Before you hit send, take these steps

To make sure your money reaches the right destination, take a moment to double-check your bank details before confirming the transfer. 

• Use the MTFX Routing Number Lookup tool. It helps you validate the routing code and confirm that it belongs to a legitimate US financial institution.
• Verify the correct routing number with your bank or the recipient’s institution. Some banks use different codes for ACH, wire, or cheque transactions.
• Confirm your account number and routing number to ensure they align correctly for a seamless, secure transfer.

Taking these steps helps prevent payment errors. It gives you peace of mind that your transaction will be processed accurately and on time.

How MTFX makes routing number validation easier?

When you use the Routing Number Lookup tool at MTFX, you gain access to a fast, secure, and reliable way to verify bank details before any transaction. Here’s how it helps:

• Instant validation: Enter the routing number and instantly check if it is valid for US banks.
• Secure and private processing: Your data is protected at every step. MTFX does not store or share routing numbers, ensuring full privacy and compliance.
• Global payment readiness: Once your routing number is verified, you are ready to send money globally across 190+ countries and 50+ currencies using our global payment network.
• Better exchange rates and lower fees: Along with bank code validation, MTFX provides competitive FX rates and low-cost transfers, giving you more value with every transaction. 

Tip: If you are sending money from Canada to the US or collecting US funds to convert back to CAD or other currencies, using a validated routing number and the right FX partner, such as MTFX, can help you save both time and cost while avoiding payment errors.

When you’ll need a routing number

Knowing when to use and verify your routing number for international transfers is key to keeping your payments accurate. Below are common situations where validation is essential:

• Direct deposits: Used for payroll, pensions, tax refunds, and other recurring payments.
• Automatic bill payments: Required for setting up recurring payments for utilities, subscriptions, or loan instalments.
• Wire transfers and ACH payments: Necessary for domestic US payments or cross-border transfers involving US accounts.
• Bank account verification: Needed when creating a new receiving account or updating your bank information.

Its important to confirm your routing number in advance. With MTFX Routing Number Lookup, you reduce the risk of delays and costly errors.

Validate routing numbers and simplify your US payments with MTFX

Accuracy matters when sending or receiving money through US bank accounts. Verifying the routing number helps prevent errors, delays, and costly reversals. Whether you are a Canadian business paying US suppliers or an individual sending money, accuracy saves time and money.

The MTFX Routing Number Lookup tool lets you validate ABA codes and confirm bank details instantly. You can move funds confidently between Canada, the US, and other countries. With MTFX’s competitive rates, secure platform, and low-fee transfers, managing global payments becomes faster and smarter.

Start verifying routing numbers today and transfer with confidence through MTFX. Create your free MTFX account now to access the Routing Number Lookup tool. Get real-time exchange rates, and enjoy faster, lower-cost transfers worldwide.

FAQs

1. How can I find my routing number?

Find it on your cheque as the first nine digits at the bottom left. You can also ask your bank or verify it using the MTFX Routing Number Lookup tool.

2. Do routing numbers change?

Yes. Banks may reorganize or update their routing numbers periodically. Always verify before making a transfer.

3. Can I have more than one routing number?

Yes. Banks often use separate routing numbers for ACH, wire, or cheque transactions.

4. Where can I look up a US routing number online?

Use the MTFX Routing Number Lookup page to search and verify any US routing number.

5. How do I verify a routing number before sending money?

Check it using the MTFX validation tool or confirm directly with the recipient’s bank.

6. Can I use the same routing number for ACH and wire transfers?

Not always. Many banks assign different routing numbers for ACH and wire payments.

7. How do I send money to a US bank from Canada?

Provide the routing and account numbers. Then transfer through MTFX for secure, low-fee transactions.

8. What happens if I enter the wrong routing number?

Your transfer may fail or be delayed. Always double-check before confirming your transaction.

9. Is a routing number required for international wire transfers?

Yes. Include a valid ABA routing number and a SWIFT code when sending to US banks.

10. Can I check routing numbers without having a cheque?

Yes. Use the MTFX online lookup tool to validate any US routing number.

11. Is a routing number the same as SWIFT or ABA?

No. ABA numbers identify US banks, while SWIFT codes apply to global transactions.

12. Is it safe to enter my routing number online?

Yes. MTFX uses encrypted systems and never stores or shares your routing information.

13. Can a business have multiple routing numbers?

Yes. Some banks assign routing numbers by region or transaction type. Always confirm before sending funds.

Start verifying routing numbers today and transfer with confidence through MTFX. Create your free MTFX account now to access the Routing Number Lookup tool. Get real-time exchange rates, and enjoy faster, lower-cost transfers worldwide.