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Title 12: Banks and Banking
PART 229—AVAILABILITY OF FUNDS AND COLLECTION OF CHECKS (REGULATION CC)
Subpart D—Substitute Checks

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Appendix A to Part 229—Routing Number Guide to Next-Day Availability Checks and Local Checks

Link to an amendment published at 74 FR 58538, Nov. 13, 2009.

A. Each bank is assigned a routing number by an agent of the American Bankers Association. The routing number takes two forms: a fractional form and a nine-digit form. A paying bank generally is identified on the face of a check by its routing number in both the fractional form (which generally appears in the upper right-hand corner of the check) and the nine-digit form (which is printed in magnetic ink along the bottom of the check). Where a check is payable by one bank but payable through another bank, the routing number appearing on the check is that of the payable-through bank, not the payor bank.

B. The first four digits of the nine-digit routing number (and the denominator of the fractional routing number) form the “Federal Reserve routing symbol,” and the first two digits of the routing number identify the Federal Reserve District in which the bank is located. Thus, 01 will be the first two digits of the routing number of a bank in the First Federal Reserve District (Boston), and 12 will be the first two digits of the routing number of a bank in the Twelfth District (San Francisco). Adding 2 to the first digit denotes a thrift institution. Thus, 21 identifies a thrift in the First District, and 32 denotes a thrift in the Twelfth District.

C. Each Federal Reserve check-processing office is listed below, followed by the Federal Reserve routing symbols of the banks that are located within the check-processing region served by that office. Because some check-processing regions cross Federal Reserve District lines, there are some cases in which banks in different Federal Reserve Districts are located in the same check-processing region and therefore considered local to each other. For example, banks in Fairfield County, Connecticut are located in the Second District and have Second District routing symbols (0211 or 2211), but the head office of the Federal Reserve Bank of Philadelphia processes the checks of these banks. Thus, as indicated below, checks drawn on banks with 0211 or 2211 routing numbers would be local for banks served by the head office of the Federal Reserve Bank of Philadelphia.

Third Federal Reserve District

[Federal Reserve Bank of Philadelphia]

Head Office

Fourth Federal Reserve District

[Federal Reserve Bank of Cleveland]

Head Office

Sixth Federal Reserve District

[Federal Reserve Bank of Atlanta]

Head Office

Twelfth Federal Reserve District

[Federal Reserve Bank of San Francisco]

Los Angeles Branch

Federal Reserve Banks

Federal Home Loan Banks

[53 FR 19433, May 27, 1988]

Editorial Note:   ForFederal Registercitations affecting appendix A of part 229, see the List of CFR Sections Affected, which appears in the Finding Aids section of the printed volume and on GPO Access.

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