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Format of Aod Fcu ABA Routing Code

Aod Fcu or any banks in USA Routing Number is nine digit unique identification number.

A routing number can have two forms

  • 1. Fraction form
  • 2. MICR (magnetic ink character recognition) form.
Both of the forms contain the same information. MICR form is the more commonly used, and fraction form is very rare to see in 2024.

In General :
The Combination is-

2

6

X

X

Y

Y

Y

Y

Z

Federal Reserve Routing Symbol

ABA Financial Institution Identifier

Cheque Digit

  • 26XX - The first four digits is Federal Reserve routing symbol. Any Aod Fcu Routing Number start with 26 as per bank's Federal Reserve District.

  • YYYY - Next four digits is Financial Institution Identifier.

  • Z - Last digit is Cheque Digit.


    • In Detail Breakdown :
    The Combination is-

    2

    6

    A

    A

    B

    B

    C

    D

    E

    Bank's Physical Location

    Federal Reserve Bank the Institution's Electronic and Wire Transfers Will Route Through

    Federal Reserve Cheque Processing Center

    Federal Reserve District

    Chequesum

  • AAAA - The first four digits is Federal Reserve routing symbol and it's represent the bank's physical location.

    • Within the 4 digits Federal Reserve Routing Symbol, the first two digits of the nine digits RTN must be in the ranges 00 through 12, 21 through 32, 61 through 72, or 80. The digits are assigned as mentioned below .

  • BB - Next two digits is designate which Federal Reserve bank the institution's electronic and wire transfers will route through.

  • C - Sixth digit indicates which Federal Reserve cheque processing center was initially assigned to the bank.

  • D - Seventh digit designates which Federal Reserve district the bank is in.

  • E - Last digit provides a checksum. The checksum is a complicated mathematical expression using the first eight digits. If the end result does not equal the checksum number, the transaction gets flagged and rerouted for manual processing. Here is the chequesum calculation method described below .

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    Popular AOD FCU Branches

    334 VICTORY DRIVE BRANCH, AOD FCU ROUTING NO

    Routing Code : 262286170
    FRB No : 61000146
    Address : 334 VICTORY DRIVE
    City : BYNUM
    State : ALABAMA
    ZIP Code : 36253

    12 ELM ST BRANCH, AOD FCU ROUTING NO

    Routing Code : 262287894
    FRB No : 61000146
    Address : 12 ELM ST
    City : OXFORD
    State : ALABAMA
    ZIP Code : 36203

    ABA Routing Number (USA)


    What is ABA Routing Number?

    An ABA number (also known as a routing number or routing transfer number) is a nine-character sequence used by banks to find specific financial institutions in the United States.


    History of ABA Routing Number

    The American Bankers Association created the ABA routing number in 1910. The ABA routing number has evolved over time to accommodate the Federal Reserve System, the introduction of MICR, the Expedited Funds Availability Act, and Check 21.


    Usage of ABA Routing Number

    An ABA number is required for wire transfers and electronic automatic clearing house (ACH) transactions such as

    • Electronic funds transfer.
    • Direct deposit.
    • Direct payment of consumer bills.
    • E-checks, and tax payments.

    Formation of the ABA Routing Number:

    The formation of ABA routing number is as follows:

    • The first four digits represent the Federal Reserve symbol.
    • The next two digits specify which Federal Reserve Bank electronic and wire transfers will be routed through.
    • The next digit represents the cheque processing center identifier.
    • The next digit represents the bank district identifier and.
    • The last digit represent the cheque digit.

    Example: Breakdown of an ABA Routing Number

    1

    2

    3

    4

    5

    6

    7

    8

    9

    Federal Reserve Symbol

    Federal Reserve Bank the Institution's Electronic and Wire Transfers Will Route Through

    Cheque Processing Center Identifier

    Bank District Identifier

    Cheque Digit


    How to Find an ABA Routing Number?

    The ABA routing number can be found at the bottom of your checks. The ABA Routing Number is the first number on the left, followed by your account number and the check number.

    How to Obtain an ABA Routing Number?

    The official registrar of ABA Routing Numbers is LexisNexis Risk Solutions. To be assigned an ABA routing number, a newly formed financial institution must complete and submit an application to LexisNexis Risk Solutions.


    Federal Reserve District

    List of Federal Reserve District Codes for all US Banks


    Primary (01-12) Thrift (+20) Electronic (+60) Federal Reserve Bank
    1 21 61 Boston
    2 22 62 New York
    3 23 63 Philadelphia
    4 24 64 Cleveland
    5 25 65 Richmond
    6 26 66 Atlanta
    7 27 67 Chicago
    8 28 68 St. Louis
    9 29 69 Minneapolis
    10 30 70 Kansas City
    11 31 71 Dallas
    12 32 72 San Francisco

    00 is used by the United States Government & 80 is used for traveler's checks.


    Method of Calculating Chequesum

    The cheque digit is the routing number's ninth digit and must meet the following criteria.

    3(d1 + d4 + d7) + 7(d2 + d5 + d8) + (d3 + d6 + d9) mod 10 = 0
    (Mod or modulo is the remainder of a division operation.)

    As an example, the routing number of Bank Of America, Virginia is 011900571. So, according to the chequesum calculation method -

    0

    1

    1

    9

    0

    0

    5

    7

    1

    D1

    D2

    D3

    D4

    D5

    D6

    D7

    D8

    D9


    3(0 + 9 + 5) + 7(1 + 0 + 7) + (1 + 0 + 1) =100
    100 mod 10 = 0



    ABA PREFIX TABLE

    This table is up to date as of 2020. One weakness of the current routing table arrangement is that various territories like American Samoa, Guam, Puerto Rico and the US Virgin Islands share the same routing code.


    Prefix Location
    1New York, NY
    2Chicago, IL
    3Philadelphia, PA
    4St. Louis, MO
    5Boston, MA
    6Cleveland, OH
    7Baltimore, MD
    8Pittsburgh, PA
    9Detroit, MI
    10Buffalo, NY
    11San Francisco, CA
    12Milwaukee, WI
    13Cincinnati, OH
    14New Orleans, LA
    15Washington D.C.
    16Los Angeles, CA
    17Minneapolis, MN
    18Kansas City, MO
    19Seattle, WA
    20Indianapolis, IN
    21Louisville, KY
    22St. Paul, MN
    23Denver, CO
    24Portland, OR
    25Columbus, OH
    26Memphis, TN
    27Omaha, NE
    28Spokane, WA
    29Albany, NY
    30San Antonio, TX
    31Salt Lake City, UT
    32Dallas, TX
    33Des Moines, IA
    34Tacoma, WA
    35Houston, TX
    36St. Joseph, MO
    37Fort Worth, TX
    38Savannah, GA
    39Oklahoma City, OK
    40Wichita, KS
    41Sioux City, IA
    42Pueblo, CO
    43Lincoln, NE
    44Topeka, KS
    45Dubuque, IA
    46Galveston, TX
    47Cedar Rapids, IA
    48Waco, TX
    49Muskogee, OK
    50New York
    51Connecticut
    52Maine
    53Massachusetts
    54New Hampshire
    55New Jersey
    56Ohio
    57Rhode Island
    58Vermont
    59Hawaii
    60Pennsylvania
    61Alabama
    62Delaware
    63Florida
    64Georgia
    65Maryland
    66North Carolina
    67South Carolina
    68Virginia
    69West Virginia
    70Illinois
    71Indiana
    72Iowa
    73Kentucky
    74Michigan
    75Minnesota
    76Nebraska
    77North Dakota
    78South Dakota
    79Wisconsin
    80Missouri
    81Arkansas
    82Colorado
    83Kansas
    84Louisiana
    85Mississippi
    86Oklahoma
    87Tennessee
    88Texas
    89Alaska
    90California
    91Arizona
    92Idaho
    93Montana
    94Nevada
    95New Mexico
    96Oregon
    97Utah
    98Washington
    99Wyoming
    101American Samoa, Guam, Puerto Rico, Virgin Islands

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