Q&A for How to Calculate the Check Digit of a Routing Number from an Illegible Check

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  • Question
    What kind of risk does it pose if someone has obtained my routing number as well as my account number, and why?
    Community Answer
    Community Answer
    Major security risk. If the person has your routing and account number, they can pull money from your account. If that's happened to you, contact your bank immediately.
  • Question
    What does it mean if the check number has four digits instead of three?
    Community Answer
    Community Answer
    There's no real difference. It just denotes that this bank routinely has people who have more than 1000 checks going out over a given period of time.
  • Question
    Is there a program that checks the validity of a routing number?
    Community Answer
    Community Answer
    There are several third-party programs on the internet that can do that. However, you'll have to search for these yourself in your web browser. Just type into a search the phrase, "program that checks the validity of a routing number," to find a good handful of them.
  • Question
    I accidentally put the check digit on the account number I wired money to. The account number is correct, but will the check digit invalidate the transaction?
    Community Answer
    Community Answer
    No. Incorrectly entering the check digit should not invalidate the transaction if the account number is correct. Also, the routing number must be entered accurately. An error there can cause issues.
  • Question
    Can a routing number have 10 digits?
    EpcotMagic
    EpcotMagic
    Top Answerer
    No, routing numbers always consist of 9 digits.
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