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CALIFORNIA    2 Branches

Format of Wescom Credit Union ABA Routing Code

Wescom Credit Union or any banks in USA Routing Number is nine digit unique identification number.

A routing number can have two forms

  • 1. Fraction form
  • 2. MICR (magnetic ink character recognition) form.
Both of the forms contain the same information. MICR form is the more commonly used, and fraction form is very rare to see in 2024.

In General :
The Combination is-

3

2

X

X

Y

Y

Y

Y

Z

Federal Reserve Routing Symbol

ABA Financial Institution Identifier

Cheque Digit

  • 32XX - The first four digits is Federal Reserve routing symbol. Any Wescom Credit Union Routing Number start with 32 as per bank's Federal Reserve District.

  • YYYY - Next four digits is Financial Institution Identifier.

  • Z - Last digit is Cheque Digit.


  • In Detail Breakdown :
    The Combination is-

    3

    2

    A

    A

    B

    B

    C

    D

    E

    Bank's Physical Location

    Federal Reserve Bank the Institution's Electronic and Wire Transfers Will Route Through

    Federal Reserve Cheque Processing Center

    Federal Reserve District

    Chequesum

  • AAAA - The first four digits is Federal Reserve routing symbol and it's represent the bank's physical location.


  • BB - Next two digits is designate which Federal Reserve bank the institution's electronic and wire transfers will route through.

  • C - Sixth digit indicates which Federal Reserve cheque processing center was initially assigned to the bank.

  • D - Seventh digit designates which Federal Reserve district the bank is in.

  • Currency Converter


    Rate Date : 23/12/24

    General Information About ABA Routing Number


    What is an ABA Routing Number

    An ABA (American Bankers Association) routing number, also known as a bank routing number that identifies the perticular financial institution or banks branch in the U.S. ABA routing no is a nine digits numarical number developed by American Bankers Association in 1910. An ABA Routing Number will only be issued to a federal or state chartered financial institution which is eligible to maintain an account at a Federal Reserve Bank.

    Decoading an ABA Routing Number

    • The first four digit of the ABA/Routing Number is assigned by the Federal Reserve Routing System and represent the bank's physical location.

    • Next two digit is designate which Federal Reserve bank the institution's electronic and wire transfers will route through.

    • Next digit mean seventh digit indicates which Federal Reserve cheque processing center was initially assigned to the bank.

    • Next digit mean eighth digit of the Routing number designates which Federal Reserve district the bank is in.

    • Lastly the nineth digit provides a checksum. The checksum is a complicated mathematical expression using the first eight digits. If the end result does not equal the checksum number, the transaction gets flagged and rerouted for manual processing.

    Example: Breakdown of ABA Routing Number Number

    1

    2

    3

    4

    5

    6

    7

    8

    9

    Federal Reserve Symbol

    Federal Reserve Bank the Institution's Electronic and Wire Transfers Will Route Through

    Cheque Processing Center Identifier

    Bank District Identifier

    Cheque Digit


    What ABA Routing Number Used For?

    An ABA Routing Number used for various financial transation and wires and electronic automatic clearing house (ACH) transactions such as electronic funds transfer, direct deposit, direct payment of consumer bills, e-checks, and tax payments, among others.

    How to Find ABA Routing Numbers?

    You can get your account’s ABA number from several sources. If you have a checkbook handy, the easiest solution is to locate the numbers at the bottom of one of your checks & also you can login into your online banking portal to check the ABA routing number & lastly contact to your bank helpline number or visit bank physical location & ask for the routing number.


    FEDERAL RESERVE DISTRICT

    List of Federal Reserve District Codes for all Banks in US


    Primary (01-12) Thrift (+20) Electronic (+60) Federal Reserve Bank
    1 21 61 Boston
    2 22 62 New York
    3 23 63 Philadelphia
    4 24 64 Cleveland
    5 25 65 Richmond
    6 26 66 Atlanta
    7 27 67 Chicago
    8 28 68 St. Louis
    9 29 69 Minneapolis
    10 30 70 Kansas City
    11 31 71 Dallas
    12 32 72 San Francisco

    00 is used by the United States Government & 80 is used for traveler's checks.


    Chequesum Calculation Method

    The cheque digit is the ninth digit of the routing number and must meet the following condition.

    3(d1 + d4 + d7) + 7(d2 + d5 + d8) + (d3 + d6 + d9) mod 10 = 0
    (Mod or modulo is the remainder of a division operation.)

    As an example: 011900571 is a routing number of Bank Of America, Virginia. So as per chequesum calculation method -

    0

    1

    1

    9

    0

    0

    5

    7

    1

    D1

    D2

    D3

    D4

    D5

    D6

    D7

    D8

    D9


    3(0 + 9 + 5) + 7(1 + 0 + 7) + (1 + 0 + 1) =100
    100 mod 10 = 0



    ABA PREFIX TABLE

    This table is up to date as of 2020. One weakness of the current routing table arrangement is that various territories like American Samoa, Guam, Puerto Rico and the US Virgin Islands share the same routing code.


    Prefix Location
    1New York, NY
    2Chicago, IL
    3Philadelphia, PA
    4St. Louis, MO
    5Boston, MA
    6Cleveland, OH
    7Baltimore, MD
    8Pittsburgh, PA
    9Detroit, MI
    10Buffalo, NY
    11San Francisco, CA
    12Milwaukee, WI
    13Cincinnati, OH
    14New Orleans, LA
    15Washington D.C.
    16Los Angeles, CA
    17Minneapolis, MN
    18Kansas City, MO
    19Seattle, WA
    20Indianapolis, IN
    21Louisville, KY
    22St. Paul, MN
    23Denver, CO
    24Portland, OR
    25Columbus, OH
    26Memphis, TN
    27Omaha, NE
    28Spokane, WA
    29Albany, NY
    30San Antonio, TX
    31Salt Lake City, UT
    32Dallas, TX
    33Des Moines, IA
    34Tacoma, WA
    35Houston, TX
    36St. Joseph, MO
    37Fort Worth, TX
    38Savannah, GA
    39Oklahoma City, OK
    40Wichita, KS
    41Sioux City, IA
    42Pueblo, CO
    43Lincoln, NE
    44Topeka, KS
    45Dubuque, IA
    46Galveston, TX
    47Cedar Rapids, IA
    48Waco, TX
    49Muskogee, OK
    50New York
    51Connecticut
    52Maine
    53Massachusetts
    54New Hampshire
    55New Jersey
    56Ohio
    57Rhode Island
    58Vermont
    59Hawaii
    60Pennsylvania
    61Alabama
    62Delaware
    63Florida
    64Georgia
    65Maryland
    66North Carolina
    67South Carolina
    68Virginia
    69West Virginia
    70Illinois
    71Indiana
    72Iowa
    73Kentucky
    74Michigan
    75Minnesota
    76Nebraska
    77North Dakota
    78South Dakota
    79Wisconsin
    80Missouri
    81Arkansas
    82Colorado
    83Kansas
    84Louisiana
    85Mississippi
    86Oklahoma
    87Tennessee
    88Texas
    89Alaska
    90California
    91Arizona
    92Idaho
    93Montana
    94Nevada
    95New Mexico
    96Oregon
    97Utah
    98Washington
    99Wyoming
    101American Samoa, Guam, Puerto Rico, Virgin Islands