Bank Routing Number

luvflyin

luvflyin

Touchdown! Greaser!
Joined
May 8, 2015
Messages
17,444
Location
Santa Barbara, CA
Display Name
Luvflyin
Home Airfield
KVUO
I’m getting some payments set up for auto deposits into my account. The Payor wants a voided check. I figure why waste a check and get out of sequence with the check numbers of checks I write. So I get a deposit slip to send them. What could make more sense. This is about them depositing. Then I notice that the Routing Number on the Deposit slips are different than the one on the checks. Don’t make no sense to me. So am I senseless or is there some logic to this?
 
Deposits are going to A, withdraws are going to B.

At one time, your check routing number identified the bank and the branch where you originally opened the account.
 
Last edited:
Clip4 said:
Deposits are going to A, withdraws are going to B.

At on time, you check routing number identified the bank and the branch where you originally opened the account.
Click to expand...
Thing is though, the Payor wants a voided check and will use that number to make deposits.
 
While unusual, a bank can have different routing numbers for different reasons. Since your bank apparently uses multiple routing numbers it’s best to check with them to see which one they want you to use for this specific purpose.
 
TCABM said:
While unusual, a bank can have different routing numbers for different reasons. Since your bank apparently uses multiple routing numbers it’s best to check with them to see which one they want you to use for this specific purpose.
Click to expand...
Yeah. I’m going to go ask them. I’m sure either one will get the money to the right place
 
luvflyin said:
I’m getting some payments set up for auto deposits into my account. The Payor wants a voided check. I figure why waste a check and get out of sequence with the check numbers of checks I write. So I get a deposit slip to send them. What could make more sense. This is about them depositing. Then I notice that the Routing Number on the Deposit slips are different than the one on the checks. Don’t make no sense to me. So am I senseless or is there some logic to this?
Click to expand...
Due to M&A, bank setup, or just because that is how they want it. Banks generally have many bank routing numbers.
Most banks, actually run the ACH transactions through software which will correct the routing number before it is sent into the system. However, asking the bank for the correct routing number will usually get you the money the quickest.

I suggest never using the routing number from the bank deposit slip. I have not seen it in years, but a number of banks used to use a "private" or un-routable number for deposit slips since the intent was to never use the ACH system for internal deposits. (The actual routing number is 8 digits long with a check digit, to make it "private", they use an alternate check digit method).

Tim
 
You can send them a copy of the check with VOID written on it, that way you don't lose a check.
 
We write a check now and then. Once or twice a month at most. That reminds me, I need to write a couple, one to the HOA and one to a contractor for some yard work.
 
William Pete Hodges said:
tspear said:
Due to M&A, bank setup, or just because that is how they want it. Banks generally have many bank routing numbers.
Most banks, actually run the ACH transactions through software which will correct the routing number before it is sent into the system. However, asking the bank for the correct routing number will usually get you the money the quickest.

I suggest never using the routing number from the bank deposit slip. I have not seen it in years, but a number of banks used to use a "private" or un-routable number for deposit slips since the intent was to never use the ACH system for internal deposits. (The actual routing number is 8 digits long with a check digit, to make it "private", they use an alternate check digit method).

Tim
Click to expand...
That was pretty much it. I went to the bank and asked. When I told the guy about why not send them a deposit slip instead of a check he said use the check, that’s the number they want. The one on the deposit slip is used internally for some reason I didn’t completely understand but I didn’t care enough at that point to ask for more detail. I had picked up a deposit sip from the counter first which had a completely different number.
Click to expand...
That was pretty much it. I went to the bank and asked. When I told the guy about why not send them a deposit slip instead of a check he said use the check, that’s the number they want. The one on the deposit slip is used internally for some reason I didn’t completely understand but I didn’t care enough at that point to ask for more detail. I had picked up a deposit sip from the counter first which had a completely different number.
 
Ghery said:
We write a check now and then. Once or twice a month at most. That reminds me, I need to write a couple, one to the HOA and one to a contractor for some yard work.
Click to expand...
I want credit for making you not be late on those payments :rofl:
 
ONLY use the one on your check. the deposit slip routing number is totally different and will be a fail.
 
You can find your routing number through your online account access.. I have seen two different routing numbers for my WF account, the one on my checks, and the one that is through my on-line accounts. When I asked one has to do with on-line payments and the something called the Automated Clearing House. The one on my checks has been the same since I open the account in 1980 something.
 
I keep a voided check in my checkbook then scan or send it any time I’m asked. That way I only have one wasted check and one check out of order.
 
You can also get a letter from the bank certifying the routing number and checking account. One of my business checking accounts is used for electronic payments only, and I have no checks for it. Usually, companies are fine with me certifying that the numbers I gave are correct but I've had instances where they insist on a voided check. The letter from the bank always works. Of course, keeping a voided check and making a copy when someone wants one is a simple option too.
 
Probably not a big deal for a couple of people doing that, but companies I have worked with would have a separate account, same bank, for incoming deposits. They'd sweep that into their regular accounts once a day. ACH works both ways, so that reduced the chances someone else's mistake could hurt them very much. And I don't even mean necessarily intentionally. Systems have mistakes all the time.
 
MonkeyClaw said:
You can also get a letter from the bank certifying the routing number and checking account. One of my business checking accounts is used for electronic payments only, and I have no checks for it. Usually, companies are fine with me certifying that the numbers I gave are correct but I've had instances where they insist on a voided check. The letter from the bank always works. Of course, keeping a voided check and making a copy when someone wants one is a simple option too.
Click to expand...
Or make a copy and void the copy. Then you used zero checks.

Scan it and save it as a pdf. Now you don’t even have to copy anything.
 
Ventucky Red said:
something called the Automated Clearing House
Click to expand...
The Routing Number is the Automated Clearing House number. The Automated Clearing House (ACH) is a nationwide electronic network that handles the transfer of funds between financial institutions. The numbers identify the institution. The number system was originally created in the early 1900s with early automation started sometime in the 1970s

Anyone else remember when small aircraft were used to transport boxes of deposited checks? It was a job for young commercial pilots to build time and experience.
 
midlifeflyer said:
The Routing Number is the Automated Clearing House number. The Automated Clearing House (ACH) is a nationwide electronic network that handles the transfer of funds between financial institutions. The numbers identify the institution. The number system was originally created in the early 1900s with early automation started sometime in the 1970s

Anyone else remember when small aircraft were used to transport boxes of deposited checks? It was a job for young commercial pilots to build time and experience.
Click to expand...
I remember the check haulers. They’d fall asleep every now and then
 
midlifeflyer said:
Anyone else remember when small aircraft were used to transport boxes of deposited checks? It was a job for young commercial pilots to build time and experience.
Click to expand...
I remember it because I did that job
 
jayhawk74 said:
I remember it because I did that job
Click to expand...
Don’t tell anyone but my I did a night check hauling flight with my CFI in an Archer when I was a student pilot. Picked em up in Vermont and New Hampshire. Dropped em off at Bradley International.
 
Last edited:
midlifeflyer said:
The Routing Number is the Automated Clearing House number. The Automated Clearing House (ACH) is a nationwide electronic network that handles the transfer of funds between financial institutions. The numbers identify the institution. The number system was originally created in the early 1900s with early automation started sometime in the 1970s

Anyone else remember when small aircraft were used to transport boxes of deposited checks? It was a job for young commercial pilots to build time and experience.
Click to expand...

Ended with echecks, an emergency regulation passed after 9/11. Before that, banks were required to send the paper checks back to the originating institution.
Based on how quickly echecks happened, and overall how descent the regs have been, you can pretty much guarantee this had been in the works for a long time.

Tim
 
midlifeflyer said:
Anyone else remember when small aircraft were used to transport boxes of deposited checks? It was a job for young commercial pilots to build time and experience.
Click to expand...
Yes, I remember those flights carrying checks and other bank work.

One of those flights was 1 of 2 times I fell asleep while flying.
 
luvflyin said:
I remember the check haulers. They’d fall asleep every now and then
Click to expand...
Even more impressive is they could fall asleep while hand flying the aircraft. None of those old Seneca's had working autopilots.
 
midlifeflyer said:
Anyone else remember when small aircraft were used to transport boxes of deposited checks? It was a job for young commercial pilots to build time and experience.
Click to expand...
I just missed out on flying checks. I got my commercial multi engine in 2003 and check flying died off shortly thereafter.

From my understanding it was very good time building experience, if not a bit risky. Flying in the middle of the night, in all sorts of weather, in very utilitarian airplanes with minimal equipment (get used to flying NDB and VOR approaches). By the time you made it to the airlines your instrument skills were top notch,...or you were dead.

While checks are gone, it seems flying lab samples overnight is sort of the replacement, albeit at much lower volumes. There's also the Caravan flying for FedEx and UPS, so there's still a few graveyard freight dogs around.
 
Brad Z said:
I just missed out on flying checks. I got my commercial multi engine in 2003 and check flying died off shortly thereafter.

From my understanding it was very good time building experience, if not a bit risky. Flying in the middle of the night, in all sorts of weather, in very utilitarian airplanes with minimal equipment (get used to flying NDB and VOR approaches). By the time you made it to the airlines your instrument skills were top notch,...or you were dead.

While checks are gone, it seems flying lab samples overnight is sort of the replacement, albeit at much lower volumes. There's also the Caravan flying for FedEx and UPS, so there's still a few graveyard freight dogs around.
Click to expand...
Don’t know if they still do it, but newspapers used to be a thing. There was a flight every night out of Burbank BUR to Las Vegas LAS with the Los Angeles Times. It was a Learjet if I remember correctly.
 
tspear said:
Ended with echecks, an emergency regulation passed after 9/11. Before that, banks were required to send the paper checks back to the originating institution.
Click to expand...
I don't remember that. Do you have a reference? My memory is that Check 21, which authorized electronic processing, was passed in 2003.
 
midlifeflyer said:
Anyone else remember when small aircraft were used to transport boxes of deposited checks? It was a job for young commercial pilots to build time and experience.
Click to expand...
One of my college jobs was working nights at an FBO at STL (Midcoast Aviation).

Each night, a pink (I kid you not) Lear would come in full of canceled checks.

We would refuel him and send him on his way.

Always thought that was an interesting way to build hours.
 
midlifeflyer said:
I don't remember that. Do you have a reference? My memory is that Check 21, which authorized electronic processing, was passed in 2003.
Click to expand...
Check 21 is the formal name for echecks. Think about how fast that came about; that is what I meant by emergency regulation.
After 9/11, the Fed waived the paper check rules by magic, but I forget how. I just recall it not being "legal" according to a number of people in the industry, but everyone decided it was better for everyone to ignore the technical legalities until Treasury and NACHA could get everything together for Check 21 which only took about two years. That is light speed in government lingo.

Tim
 
tspear said:
Check 21 is the formal name for echecks.
Click to expand...
"Check 21" is the official short title for the "Check Clearing for the 21st Century Act," codified at 12 U.S.C. §5001. I also remember that the Federal Reserve had authority to do a lot of innovation in this area a decade before 9/11. What I don't recall (and I haven't had a reason to look deeply into the banking regulations for at least a decade) is an emergency regulation by the Fed tied to 9/11, although that was probably well within the Federal Reserve's authority at the time.
 
You must log in or register to reply here.
Back
Top