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Home > Check Printing Articles > Check Number

Check Number

What exactly are you looking for? Trying to figure out your routing number, account number, check number, or fraction code on your business check or personal check? Trying to do a reverse lookup on a phone call you just received? Trying to do a VIN number search on a vehicle? Trying to do a background check on someone? Trying to find out if you just won the lottery? I am not sure what you are up to with all of those numbers. You just be careful or you may end up with a prison number instead.
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The routing number, account number, and check number are all part of the MICR line of a check. MICR, or Magnetic Ink Character Recognition, is a character recognition technology adopted mainly by the banking industry to facilitate the processing of checks. MICR characters are printed with a magnetic ink or toner, usually containing iron oxide. Magnetic printing is used so that the characters can be reliably read into a system, even when they have been overprinted with other marks such as cancellation stamps.

A routing transit number (RTN), routing number, or ABA number is a nine digit bank code, used in the United States, which appears on the bottom of negotiable instruments such as checks identifying the financial institution on which it was drawn. The routing number is derived from the bank's transit number.

The bank account number is located to the right of the bank routing number on most checks. The account number is usually followed by an "on-us" symbol. This is the two short lines and a small square above. The account number is preceeded to the left by a transit symbol which is a line with two squares somewhat like a colon. This is the numeric code identifying the holder of an account. Account numbers have a standardized number of characters, and may contain coded information for internal security purposes.

Those fractions on the top of checks (fraction code) tell us a lot about the check itself. The top set of numbers on the check is the fractional form of the routing number. The prefix number tells us the general location of the institution named on the check. The prefix number (the numbers on the top/left of the fraction) tell us which particular institution. There are twelve Federal Reserve Districts. Each institution (whether it be savings and loan, savings bank, thrift, commercial bank or credit union) in each of the twelve districts, has its own number. That appears on the top/right of the fraction. Using this information, if the fraction at the top of the check was 50-77/213 we would know that institution number 77 is located in the state of New York and is serviced by the second Federal Reserve District (the 213 tells us that).

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