{"data":{"id":"us/12-cfr-appendix-a-to-part-229","jurisdiction":"us","citation":"12 CFR Appendix A to Part 229","heading":"Appendix A to Part 229—Routing Number Guide to Next-Day Availability Checks and Local Checks","body":"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.\nB. 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.\nFourth Federal Reserve District\n[Federal Reserve Bank of Cleveland]\nHead Office\n1 0110\n0111\n0112\n0113\n0114\n0115\n0116\n0117\n0118\n0119\n0210\n0211\n0212\n0213\n0214\n0215\n0216\n0219\n0220\n0223\n0260\n0280\n0310\n0311\n0312\n0313\n0319\n0360\n0410\n0412\n0420\n0421\n0422\n0423\n0430\n0432\n0433\n0434\n0440\n0441\n0442\n0510\n0514\n0515\n0519\n0520\n0521\n0522\n0530\n0531\n0532\n0539\n0540\n0550\n0560\n0570\n0610\n0611\n0612\n0613\n0620\n0621\n0622\n0630\n0631\n0632\n0640\n0641\n0642\n0650\n0651\n0652\n0653\n0654\n0655\n0660\n0670\n0710\n0711\n0712\n0719\n0720\n0724\n0730\n0739\n0740\n0749\n0750\n0759\n0810\n0812\n0813\n0815\n0819\n0820\n0829\n0830\n0839\n0840\n0841\n0842\n0843\n0863\n0865\n0910\n0911\n0912\n0913\n0914\n0915\n0918\n0919\n0920\n0921\n0929\n0960\n1010\n1011\n1012\n1019\n1020\n1021\n1022\n1023\n1030\n1031\n1039\n1040\n1041\n1049\n1070\n1110\n1111\n1113\n1119\n1120\n1122\n1123\n1130\n1131\n1140\n1149\n1163\n1210\n1211\n1212\n1213\n1220\n1221\n1222\n1223\n1224\n1230\n1231\n1232\n1233\n1240\n1241\n1242\n1243\n1250\n1251\n1252\n2111\n2112\n2113\n2114\n2115\n2116\n2117\n2118\n2119\n2210\n2211\n2212\n2213\n2214\n2215\n2216\n2219\n2220\n2223\n2260\n2280\n2310\n2311\n2312\n2313\n2319\n2360\n2410\n2412\n2420\n2421\n2422\n2423\n2430\n2432\n2433\n2434\n2440\n2441\n2442\n2510\n2514\n2515\n2519\n2520\n2521\n2522\n2530\n2531\n2532\n2539\n2540\n2550\n2560\n2570\n2610\n2611\n2612\n2613\n2620\n2621\n2622\n2630\n2631\n2632\n2640\n2641\n2642\n2650\n2651\n2652\n2653\n2654\n2655\n2660\n2670\n2710\n2711\n2712\n2719\n2720\n2724\n2730\n2739\n2740\n2749\n2750\n2759\n2810\n2812\n2813\n2815\n2819\n2820\n2829\n2830\n2839\n2840\n2841\n2842\n2843\n2863\n2865\n2910\n2911\n2912\n2913\n2914\n2915\n2918\n2919\n2920\n2921\n2929\n2960\n3010\n3011\n3012\n3019\n3020\n3021\n3022\n3023\n3030\n3031\n3039\n3040\n3041\n3049\n3070\n3110\n3111\n3113\n3119\n3120\n3122\n3123\n3130\n3131\n3140\n3149\n3163\n3210\n3211\n3212\n3213\n3220\n3221\n3222\n3223\n3224\n3230\n3231\n3232\n3233\n3240\n3241\n3242\n3243\n3250\n3251\n3252\n1 The first two digits identify the bank's Federal Reserve District. For example, 01 identifies the First Federal Reserve District (Boston), and 12 identifies the Twelfth District (San Francisco). Adding 2 to the first digit denotes a thrift institution. For example, 21 identifies a thrift in the First District, and 32 denotes a thrift in the Twelfth District.\nFederal Reserve Banks\n0110 0001 5\n0111 0048 1\n0210 0120 8\n0212 0400 5\n0213 0500 1\n0220 0026 6\n0310 0004 0\n0410 0001 4\n0420 0043 7\n0430 0030 0\n0440 0050 3\n0510 0003 3\n0519 0002 3\n0520 0027 8\n0530 0020 6\n0539 0008 9\n0610 0014 6\n0620 0019 0\n0630 0019 9\n0640 0010 1\n0650 0021 0\n0660 0010 9\n0710 0030 1\n0711 0711 0\n0720 0029 0\n0730 0033 8\n0740 0020 1\n0750 0012 9\n0810 0004 5\n0820 0013 8\n0830 0059 3\n0840 0003 9\n0910 0008 0\n0920 0026 7\n1010 0004 8\n1020 0019 9\n1030 0024 0\n1040 0012 6\n1110 0003 8\n1120 0001 1\n1130 0004 9\n1140 0072 1\n1210 0037 4\n1220 0016 6\n1230 0001 3\n1240 0031 3\n1250 0001 1\nFederal Home Loan Banks\n0110 0053 6\n0212 0639 1\n0260 0973 9\n0410 0291 5\n0420 0091 6\n0430 0143 5\n0430 1862 2\n0610 0876 6\n0710 0450 1\n0730 0091 4\n0740 0101 9\n0810 0091 9\n0910 0091 2\n1010 0091 2\n1011 0194 7\n1110 1083 7\n1119 1083 0\n1210 0070 1\n1240 0287 4\n1250 0050 3","path":["Title 12—Banks and Banking","CHAPTER II—FEDERAL RESERVE SYSTEM","SUBCHAPTER A—BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM","PART 229—AVAILABILITY OF FUNDS AND COLLECTION OF CHECKS (REGULATION CC)"],"source_url":"https://www.ecfr.gov/api/versioner/v1/full/2026-08-25/title-12.xml","current_through":"2026-08-25","vintage":"","retrieved_at":"2026-08-27T02:24:16Z","sha256":"9fe47f1a04adcb72c15a6b17651023a183423cbd274f363e932b1dfc8b1161e4","source_id":"us-cfr","stale":true,"prev":"us/12-cfr-229.60","next":"us/12-cfr-appendix-b-to-part-229"},"notice":"GroundRules: Original legal text. Not legal advice."}