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Routing Numbers – Whats The Difference in AHC and ABA Numbers?

The Basics

Routing Numbers are important for several different reasons. Cash transfers by customers from their banks can be accomplished in numerous ways. Money can be transferred directly by writing checks, which is also called paper transfers. Routing numbers are used to make sure they arrived appropriately.
These numbers are nine-digit numbers printed at the left side of the bottom of the check. Every bank or monetary organization has a distinct code, which determines a specific bank in a particular state.

ABA Numbers

ABA  numbers, or the American Bankers Association routing numbers, were created in 1910 to assist in the recognition of banks and monetary institutions. These numbers were used basically for moving and clearing checks loan by wire transfers.

Assigning ABA numbers

Today, about 30,000 ABA numbers are in use. They are appointed by Accuity, which is a source media business. The routing numbers are published semi-annually by Accuity in the “ABA Key to Routing Numbers” publication.
In the nine-digit ABA routing number, the first 2 digits should be in between 00-12 or 21-32 or 61-72 or 80. What these varieties of numbers suggest, is as follows:
The U.S. Government uses 00.
Regular routing numbers vary from 01-12.
Until 1985, 21-32 were utilized by thrift institutions. Now any bank might use them however primarily cooperative credit union use them.
Electronic deals use 61-72.
Traveler’s checks utilize the routing numbers with 80 as the very first 2 digits.

ACH Numbers

Automated Clearing House routing numbers are a set of nine-digit numbers that are for electronic transfers between banks. This number is distinct to banks and their branches. Every bank has many routing numbers, and each branch has a special code.

Where To Find The Best Number For Your Situation

ABA routing numbers are always printed at the bottom left corner of the checks. ACH routing numbers are similarly a combination of nine numbers, however, Its best practice to confirm with the bankers themselves if the ABA and ACH numbers are the same.
They also can be examined on the different banks’ individual websites. ABA is identified as “check routing number” and ACH is usually under “electronic” or “direct deposit” on the bank’s website.


American Bank Association or ABA numbers, are always located on the bottom left corner of a check and is referred to as the “check routing number”. Whereas the Automated Clearing House or AHC Number tends to deal with electronic transfers and is the number you would generally use when trying to set up a direct deposit for your workplace. In a lot of cases, both of these numbers are identical for a given bank, but this is not always the case, so verifying on the phone or double checking your ABA/AHC numbers online would usually be your safest bet.