Ever wonder about the numbers on your personal check?

Tuesday, September 22, 2009, 12:22 AM | Leave Comment

A couple of years ago, I wanted to transfer money from my bank to a mortgage company. I usually pay using my bank online paying system. But this time, I was late in making the monthly payment. In order to not having the company charge me late fee, I called the customer service and they wanted to know what my bank route number was so that they can take the money directly from my checking account. It was a one-time occurrence and since then I have been careful not to be late paying the monthly mortgage amount.

So I went to the bank and ask them the same question. I had my check book with me and the bank lady explained to me the numbers on my personal check.

If you need to know at some point or just are curious about personal checks and want to know how to find their routing numbers and checking account numbers, learn how to find these numbers.

There are three sets of numbers that are important for you to at least know how to identify. The routing number, your own account number and the check number.

The routing number
The routing number is located in the lower left hand corner of your checks. It is a nine digit number. The first four digits of that number identify the U.S. Federal Reserve’s check processing center. The next four numbers represent the specific bank that processes the checks. The last number is a verification check digit computed using a special formula that is used on the previous 8 numbers.

Your checking account number
The next set of numbers in the lower left side of the check and to the right of the routine number is your bank account number. That remains the same on all of your personal checks.

Your check number
You will then see a third set of numbers and generally that will tell you the number of the check you are using.

Now you can recognize where the routing number is on your personal checks. That number can help you make online payments as well as set up some online banking systems.

In a Nutshell
Today, personal checks have become less popular because of the use of the debit card and the use of online banking. However, people still do use personal checks. If you are constantly using debit cards, be sure to look at the debit card registers and holders. They will help you keep track of your spending.

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