General Question

filmfann's avatar

Can your checks have different routing numbers?

Asked by filmfann (52455points) August 14th, 2011

I have just run out of checks, and ordered new ones, copying the routing number off one of my 6 year old checks.
I just noticed that my newer checks have a different routing number. I haven’t changed my account during this time, that I recall.
The account numbers are the same on the older and newer checks, but I am worried that the new checks I just ordered won’t work, because of the difference.
Can an account use different routing numbers, as long as the account number is the same?

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4 Answers

creative1's avatar

Depends if your bank went through any mergers or transitions… sometimes they will merge with another bank and take on the other banks routing number with the fed reserve. Talk to your bank and just confirm you have the correct routing number for your account. The customer service 800 number should be able to do this for you.

augustlan's avatar

Did you order the checks through your bank? If so, I’d think the routing number could change, due to changes at the bank. I guess that would apply to checks purchased elsewhere, too, since I imagine banks update their info with those places, too. In either case, I’d call your bank and double check before using any of the new checks.

CWOTUS's avatar

The RTN “on the checks themselves” shouldn’t matter, I think. (I’ve heard, but never tested the assertion that “you can write a check on anything and present it at your bank”, as long as it identifies “your account” – and the teller can identify “you”.) But you’d never be able to use that RTN to direct a wire transfer, should that ever be necessary.

creative1's avatar

@CWOTUS The routing # on the checks matter a great deal on a check it tells the federal reserve what bank the checks belong to. If the check printer made a mistake and printed an incorrect routing number on the check which has happened with check printers that are not used by the actual banks and sometimes can even occur with printers that the banks use but that is very very rare since the banks typically send that information over themselves. Even if the routing number is off by one digit it can make a big difference and can have the potential to either be returned or debit the wrong account. Now wire routing numbers are a whole different animal banks typically have separate routing numbers for wires believe it or not and International require a whole separate set of rules.

So @filmfann if the routing numbr is different than than your previous checks you had it doesn’t hurt to make a quick call to your customer service line to just verify you have the correct routing number on your checks you don’t want put anything to chance. At least I wouldn’t.

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