KEYSTONE FEDERAL CREDIT UNION ABA Routing Number List

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Format of Keystone Federal Credit Union ABA Routing Code

Keystone Federal Credit Union 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	3	X	X	Y	Y	Y	Y	Z
Federal Reserve Routing Symbol				ABA Financial Institution Identifier				Cheque Digit

23XX - The first four digits is Federal Reserve routing symbol. Any Keystone Federal Credit Union Routing Number start with 23 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	3	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 .

Popular KEYSTONE FEDERAL CREDIT UNION Branches

Routing Code : 231380324
FRB No : 31000040
Address : 1052 ANDREW DRIVE
City : WEST CHESTER
State : PENNSYLVANIA
ZIP Code : 19380

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

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Find Any Bank Branch In USA

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Or Select a State from these

Format of Keystone Federal Credit Union ABA Routing Code

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Popular KEYSTONE FEDERAL CREDIT UNION Branches

ABA Routing Number (USA)

What is ABA Routing Number?

History of ABA Routing Number

Usage of ABA Routing Number

Formation of the ABA Routing Number:

Example: Breakdown of an ABA Routing Number

How to Find an ABA Routing Number?

How to Obtain an ABA Routing Number?

Federal Reserve District

Method of Calculating Chequesum

ABA PREFIX TABLE

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