What are ACH routing numbers? | Stripe

An ACH routing number is a nine-digit code that banks and financial institutions use to identify the specific facility responsible for the payment and transfer of money between accounts within the United States. Like a home address, an ACH routing number directs electronically transferred funds to the correct bank and branch. The number is necessary for setting up direct deposits, automatic payments, and wire transfers. Each bank or credit union has a unique code. You can find this code in multiple ways: by checking the bottom of a check from the institution, by searching for it on the bank’s online banking systems, or by contacting the bank directly.For businesses, understanding ACH routing numbers is key: when you’re sending or receiving payments via ACH, you need to know the correct routing number to ensure the funds reach the right bank account. In the third quarter of 2023, the ACH network saw a total volume of 7.8 billion payments—an increase of 3% from the same period the previo...