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Regulation CC
Availability of Funds And Collection Of Checks

Appendix A to Part 229--Routing Number Guide to Next-Day Availability Checks and Local Checks
Appendix B to Part 229--Reduction of Schedules for Certain Nonlocal Checks

Appendix A to Part 229--Routing Number Guide to Next-Day Availability Checks and Local Checks

     A. Each bank is assigned a routing number by Thomson Financial Publishing Inc., as agent for the American Bankers Association. The routing number takes two forms: A fractional form and a nine-digit form. A paying bank generally is identified on the face of a check by its routing number in both the fractional form (which generally appears in the upper right-hand corner of the check) and the nine-digit form (which is printed in magnetic ink in a strip along the bottom of the check). Where a check is payable by one bank but payable through another bank, the routing number appearing on the check is that of the payable-through bank, not the payor bank.
     B. The first four digits of the nine-digit routing number and the denominator of the fractional routing number form the ``Federal Reserve routing symbol,'' which identifies the Federal Reserve District, the Federal Reserve office, and the clearing arrangements used by the paying bank.

     1 The first two digits identify the Federal Reserve District. Thus 01 identifies the First Federal Reserve District (Boston), and l2 identifies the Twelfth District (San Francisco).
     2 Adding 2 to the first digit denotes a thrift institution. Thus 21 identifies a thrift in the First District, and 32 denotes a thrift in the Twelfth District.
     3 Banks in Fairfield County, Connecticut are members of the Federal Reserve Bank of New York and therefore have Second District routing numbers. Their checks, however, are processed by the Windsor Locks office. Thus, checks drawn on banks with 0211 or 2211 routing numbers would not be local checks for Second District depositary banks.
 

First Federal Reserve District
[Federal Reserve Bank of Boston]


Head Office

0110\1\

0113

0114

0115

2110\2\

2113

2114

2115


Windsor Locks office

0111

0116

0117

0118

0119

0211\3\

2111

2116

2117

2118

2119

2211\3\


Lewiston Office

0112

2112



Second Federal Reserve District

[Federal Reserve Bank of New York]


East Rutherford Office

0210

0212

0214

0215

0216

0219

0260

0280

2212

2214

2215

2216

2219

2260


Utica Office

0213

0220

0223

2213

2220

2223



Third Federal Reserve District

[Federal Reserve Bank of Philadelphia]


Head Office

0310

0311

0312

0313

0319

0360

2310

2311

2312

2313

2319

2360



Fourth Federal Reserve District

[Federal Reserve Bank of Cleveland]


Head Office

0410

0412

2410

2412


Cincinnati Branch

0420

0421

0422

0423

2420

2421

2422

2423


Pittsburgh Branch

0430

0432

0433

0434

2430

2432

2433

2434


Columbus Office

0440

0441

0442

2440

2441

2442



Fifth Federal Reserve District

[Federal Reserve Bank of Richmond]


Head Office

0510

0514

2510

2514


Baltimore Branch

0520

0521

0522

0540

0550

0560

0570

2520

2521

2522

2540

2550

2560

2570


Charlotte Branch

0530

0531

2530

2531


Columbia Office

0532

0539

2532

2539


Charleston Office

0515

0519

2515

2519



Sixth Federal Reserve District

[Federal Reserve Bank of Atlanta]


Head Office

0610

0611

0612

0613

2610

2611

2612

2613


Birmingham Branch


0620

0621

0622

2620

2621

2622


Jacksonville Branch

0630

0631

0632

2630

2631

2632


Nashville Branch

0640

0641

0642

2640

2641

2642


New Orleans Branch

0650

0651

0652

0653

0654

0655

2650

2651

2652

2653

2654

2655


Miami Branch

0660

0670

2660

2670



Seventh Federal Reserve District

[Federal Reserve Bank of Chicago]


Head Office

0710

0711

0712

0719

2710

2711

2712

2719


Detroit Branch

0720

0724

2720

2724


Des Moines Office

0730

0739

2730

2739


Indianapolis Office

0740

0749

2740

2749


Milwaukee Office

0750

0759

2750

2759



Eighth Federal Reserve District

[Federal Reserve Bank of St. Louis]


Head Office

0810

0812

0815

0819

0865

2810

2812

2815

2819

2865


Little Rock Branch

0820

0829

2820

2829


Louisville Branch

0813

0830

0839

0863

2813

2830

2839

2863


Memphis Branch

0840

0841

0842

0843

2840

2841

2842

2843



Ninth Federal Reserve District

[Federal Reserve Bank of Minneapolis]


Head Office

0910

0911

0912

0913

0914

0915

0918

0919

2910

2911

2912

0960

2913

2914

2915

2918

2919

2960


Helena Branch

0920

0921

0929

2020

2921



Tenth Federal Reserve District

[Federal Reserve Bank of Kansas City]


Head Office

1010

1011

1012

1019

3010

3011

3012

3019


Denver Branch

1020

1021

1022

1023

1070

3020

3021

3022

3023

3070


Oklahoma City Branch

1030

1031

1039

3030

3031

3039


Omaha Branch

1040

1041

1049

3040

3041

3049



Eleventh Federal Reserve District

[Federal Reserve Bank of Dallas]


Head Office

1110

1111

1113

1119

3110

3111

3113

3119


El Paso Branch

1120

1122

1123

1163

3120

3122

3123

3163


Houston Branch

1130

1131

3130

3131


San Antonio Branch

1140

1149

3140

3149



Twelfth Federal Reserve District

[Federal Reserve Bank of San Francisco]


Head Office

1210

1211

1212

1213

3210

3211

3212

3213


Los Angeles Branch

1220

1221

1222

1223

1224

3220

3221

3222

3223

3224


Portland Branch

1230

1231

1232

1233

3230

3231

3232

3233


Sa1t Lake City Branch

1240

1241

1242

1243

3240

3241

3242

2343


Seattle Branch

1250

1251

1252

3250

3251

3252



U.S. Treasury Checks

0000 0050 5

0000 0051 8



Postal Money Orders


0000 0119 3

0000 0800 2



Federal Reserve Offices

0110 0001 5

0111 0048 1

0112 0048 8

0210 0120 8

0220 0026 6

0212 0400 5

0214 0950 9

0213 0500 1

0310 0004 0

0410 0001 4

0420 0043 7

0430 0030 0

0440 0050 3

0510 0003 3

0520 0027 8

0530 0020 6

0539 0008 9

0519 0002 3

0610 0014 6

0620 0019 0

0630 0019 9

0640 0010 1

0650 0021 0

0660 0010 9

0710 0030 1

0720 0029 0

0730 0033 8

0740 0020 1

0750 0012 9

0810 0004 5

0820 0013 8

0830 0059 3

0840 0003 9

0910 0008 0

0920 0026 7

1010 0004 8

1020 0019 9

1030 0024 0

1040 0012 6

1110 0003 8

1120 0001 1

1130 0004 9

1140 0072 1

1210 0037 4

1220 0016 6

1230 0001 3

1240 0031 3

1250 0001 1



Federal Home Loan Banks

0110 0053 6

0212 0639 1

0260 0973 9

0410 0291 5

0420 0091 6

0430 0143 5

0610 0876 6

0640 0091 0

0654 0348 0

0710 0450 1

0724 1338 2

0730 0091 4

0740 0101 9

0810 0091 9

0820 0125 0

0910 0091 2

1010 0091 2

1011 0194 7

1020 0603 8

1030 0362 9

1040 0019 7

1110 1083 7

1119 1083 0

1130 1750 8

1210 0070 1

1211 3994 4

1222 4014 6

1250 0050 3


Appendix B to Part 229--Reduction of Schedules for Certain Nonlocal Checks

     A depositary bank that is located in the following check processing territories shall make funds deposited in an account by a nonlocal check described below available for withdrawal not later than the number of business days following the banking day on which funds are deposited, as specified below.





------------------------------------------------------------


Number of business days following the banking day funds are
deposited:


Federal Reserve office

------------------------------------------------------------

Utica

0210, 0280.................................................3



Nashville

0613, 2613.................................................3



Kansas City

0865, 2865,................................................3


------------------------------------------------------------

Subpart A - General

Subpart B - Availability of Funds and Disclosure of Funds Availability Policies

Subpart C - Collection of Checks

Appendices C & D

Appendix E - (Large File - May Load Slowly)

Appendix F

 

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