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US Bank Routing Number Validation




You are probably here because you want to validate routing and bank account numbers. There is good and bad news.

Good news

US bank routing numbers follow a very strict format. That makes it so you can easily validate it and be assured that before you send that data to the back-end it passes the format requirements.

Bad News

Bank account numbers are not so fortunate. There is no strict format unlike IBAN. Dang it! I discuss is more here.

Routing Number

You can get really fancy and do some really deep validation for the routing number. As you can see here there is a lot behind the format including what each set of digits represents (what kind of institution is the bank, what Federal Reserve district it is in, which state its in, etc).

But we are going to keep it simple. There is a checksum. Thanks to BrainJar for presenting a simple solution.

First off the number is always 9 digits.

Next is the checksum algorithm.

Here is our example routing number:
324377516

Multiply the first digit by 3, the second by 7, the third by 1, the fourth by 3, the fifth by 7, the sixth by 1, the seventh by 3, the eight by 7 and the ninth by 1. Then add it all together, like so:

(3 x 3) + (2 x 7) + (4 x 1) +
(3 x 3) + (7 x 7) + (7 x 1) +
(5 x 3) + (1 x 7) + (6 x 1) = 120


If the total is an exact multiple of 10 (no remainder) then it passes the checksum and is valid.

120 % 10 == 0


Here is my javascript method:
function validateABA(n) {
   
   n = n ? n.match(/\d/g).join('') : 0;//get just digits
   var c = 0, isValid = false;

   if (n && n.length == 9){//don't waste energy totalling if its not 9 digits
  for (var i = 0; i < n.length; i += 3) {//total the sums
     c += parseInt(n.charAt(i), 10) * 3 +  parseInt(n.charAt(i + 1), 10) * 7 +  parseInt(n.charAt(i + 2), 10);
  }
  isValid = c != 0 && c % 10 == 0;//check if multiple of 10
   }

   return {//return an object telling whether its valid and if not, why.
  isValid: isValid,
  errorMsg: n.length != 9 ? 'Rounting number must be 9 digits' : (!isValid ? 'Invalid bank routing number.' : '')//determine the error message
   };
}

Bank Account Number

Since there is no format for bank account numbers there isn't a ton you can do except for cover the basics. This leaves people having to speculate, so we will cover the best we can by understanding the speculations.

Account numbers range from 4-17 characters, but some claim they have seen as little as 2. You can most likely safely assume that its only going to be numbers, but nothing strictly says that there won't be letters. You could force numbers only until the first person complains, or just leave it up to the payment gateway at that point since we are only trying to give the best data we can to the back-end.

So what I did was just require it to be at least 2 characters and no longer than 17.

There you have it. With that you should be able to filter enough to get valid routing and account numbers for the US.

Comments

  1. Thanks for presenting a simple solution.

    ReplyDelete
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