Regulation
CC
Availability of Funds And Collection Of Checks
Appendix A to Part 229--Routing Number Guide
to Next-Day Availability Checks and Local Checks
Appendix B to Part 229--Reduction of Schedules
for Certain Nonlocal Checks
Appendix A to Part 229--Routing Number
Guide to Next-Day Availability Checks and Local Checks
A. Each bank is assigned a routing number
by Thomson Financial Publishing Inc., as agent for 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 in a strip 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,'' which identifies
the Federal Reserve District, the Federal Reserve office, and
the clearing arrangements used by the paying bank.
1 The first two
digits identify the Federal Reserve District. Thus 01 identifies
the First Federal Reserve District (Boston), and l2 identifies
the Twelfth District (San Francisco).
2 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.
3 Banks in Fairfield
County, Connecticut are members of the Federal Reserve Bank of
New York and therefore have Second District routing numbers. Their
checks, however, are processed by the Windsor Locks office. Thus,
checks drawn on banks with 0211 or 2211 routing numbers would
not be local checks for Second District depositary banks.
First Federal Reserve District
[Federal Reserve Bank of Boston]
Head Office
0110\1\
0113
0114
0115
2110\2\
2113
2114
2115
Windsor Locks office
0111
0116
0117
0118
0119
0211\3\
2111
2116
2117
2118
2119
2211\3\
Lewiston Office
0112
2112
Second Federal Reserve District
[Federal Reserve Bank of New York]
East Rutherford Office
0210
0212
0214
0215
0216
0219
0260
0280
2212
2214
2215
2216
2219
2260
Utica Office
0213
0220
0223
2213
2220
2223
Third Federal Reserve District
[Federal Reserve Bank of Philadelphia]
Head Office
0310
0311
0312
0313
0319
0360
2310
2311
2312
2313
2319
2360
Fourth Federal Reserve District
[Federal Reserve Bank of Cleveland]
Head Office
0410
0412
2410
2412
Cincinnati Branch
0420
0421
0422
0423
2420
2421
2422
2423
Pittsburgh Branch
0430
0432
0433
0434
2430
2432
2433
2434
Columbus Office
0440
0441
0442
2440
2441
2442
Fifth Federal Reserve District
[Federal Reserve Bank of Richmond]
Head Office
0510
0514
2510
2514
Baltimore Branch
0520
0521
0522
0540
0550
0560
0570
2520
2521
2522
2540
2550
2560
2570
Charlotte Branch
0530
0531
2530
2531
Columbia Office
0532
0539
2532
2539
Charleston Office
0515
0519
2515
2519
Sixth Federal Reserve District
[Federal Reserve Bank of Atlanta]
Head Office
0610
0611
0612
0613
2610
2611
2612
2613
Birmingham Branch
0620
0621
0622
2620
2621
2622
Jacksonville Branch
0630
0631
0632
2630
2631
2632
Nashville Branch
0640
0641
0642
2640
2641
2642
New Orleans Branch
0650
0651
0652
0653
0654
0655
2650
2651
2652
2653
2654
2655
Miami Branch
0660
0670
2660
2670
Seventh Federal Reserve District
[Federal Reserve Bank of Chicago]
Head Office
0710
0711
0712
0719
2710
2711
2712
2719
Detroit Branch
0720
0724
2720
2724
Des Moines Office
0730
0739
2730
2739
Indianapolis Office
0740
0749
2740
2749
Milwaukee Office
0750
0759
2750
2759
Eighth Federal Reserve District
[Federal Reserve Bank of St. Louis]
Head Office
0810
0812
0815
0819
0865
2810
2812
2815
2819
2865
Little Rock Branch
0820
0829
2820
2829
Louisville Branch
0813
0830
0839
0863
2813
2830
2839
2863
Memphis Branch
0840
0841
0842
0843
2840
2841
2842
2843
Ninth Federal Reserve District
[Federal Reserve Bank of Minneapolis]
Head Office
0910
0911
0912
0913
0914
0915
0918
0919
2910
2911
2912
0960
2913
2914
2915
2918
2919
2960
Helena Branch
0920
0921
0929
2020
2921
Tenth Federal Reserve District
[Federal Reserve Bank of Kansas City]
Head Office
1010
1011
1012
1019
3010
3011
3012
3019
Denver Branch
1020
1021
1022
1023
1070
3020
3021
3022
3023
3070
Oklahoma City Branch
1030
1031
1039
3030
3031
3039
Omaha Branch
1040
1041
1049
3040
3041
3049
Eleventh Federal Reserve District
[Federal Reserve Bank of Dallas]
Head Office
1110
1111
1113
1119
3110
3111
3113
3119
El Paso Branch
1120
1122
1123
1163
3120
3122
3123
3163
Houston Branch
1130
1131
3130
3131
San Antonio Branch
1140
1149
3140
3149
Twelfth Federal Reserve District
[Federal Reserve Bank of San Francisco]
Head Office
1210
1211
1212
1213
3210
3211
3212
3213
Los Angeles Branch
1220
1221
1222
1223
1224
3220
3221
3222
3223
3224
Portland Branch
1230
1231
1232
1233
3230
3231
3232
3233
Sa1t Lake City Branch
1240
1241
1242
1243
3240
3241
3242
2343
Seattle Branch
1250
1251
1252
3250
3251
3252
U.S. Treasury Checks
0000 0050 5
0000 0051 8
Postal Money Orders
0000 0119 3
0000 0800 2
Federal Reserve Offices
0110 0001 5
0111 0048 1
0112 0048 8
0210 0120 8
0220 0026 6
0212 0400 5
0214 0950 9
0213 0500 1
0310 0004 0
0410 0001 4
0420 0043 7
0430 0030 0
0440 0050 3
0510 0003 3
0520 0027 8
0530 0020 6
0539 0008 9
0519 0002 3
0610 0014 6
0620 0019 0
0630 0019 9
0640 0010 1
0650 0021 0
0660 0010 9
0710 0030 1
0720 0029 0
0730 0033 8
0740 0020 1
0750 0012 9
0810 0004 5
0820 0013 8
0830 0059 3
0840 0003 9
0910 0008 0
0920 0026 7
1010 0004 8
1020 0019 9
1030 0024 0
1040 0012 6
1110 0003 8
1120 0001 1
1130 0004 9
1140 0072 1
1210 0037 4
1220 0016 6
1230 0001 3
1240 0031 3
1250 0001 1
Federal Home Loan Banks
0110 0053 6
0212 0639 1
0260 0973 9
0410 0291 5
0420 0091 6
0430 0143 5
0610 0876 6
0640 0091 0
0654 0348 0
0710 0450 1
0724 1338 2
0730 0091 4
0740 0101 9
0810 0091 9
0820 0125 0
0910 0091 2
1010 0091 2
1011 0194 7
1020 0603 8
1030 0362 9
1040 0019 7
1110 1083 7
1119 1083 0
1130 1750 8
1210 0070 1
1211 3994 4
1222 4014 6
1250 0050 3
Appendix B to Part 229--Reduction of Schedules
for Certain Nonlocal Checks
A depositary bank that is located in
the following check processing territories shall make funds deposited
in an account by a nonlocal check described below available
for withdrawal not later than the number of business days following
the banking day on which funds are deposited, as specified below.
------------------------------------------------------------
Number of business days following the banking day funds are
deposited:
Federal Reserve office
------------------------------------------------------------
Utica
0210, 0280.................................................3
Nashville
0613, 2613.................................................3
Kansas City
0865, 2865,................................................3
------------------------------------------------------------
Subpart A - General
Subpart B - Availability
of Funds and Disclosure of Funds Availability Policies
Subpart C - Collection
of Checks
Appendices C & D
Appendix E
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Appendix F
Credit And Banking
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