Fedwire Code Validator
Instantly validate Federal Reserve wire transfer routing codes
No data is stored or logged. Validation happens entirely in your browser.
Fedwire Code Breakdown
Bank Information
Bank Name
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Location
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Wire Type
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Settlement Method
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What to Do Next
✅ Validation Successful
Confirm bank details with recipient before sending wire transfer.
⚠️ Contact Bank
If any information doesn’t match, contact the bank directly.
Common Fedwire Mistakes
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!Using ACH routing numbers for wire transfers (they’re different)
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!Confusing Fedwire with SWIFT codes (Fedwire is US domestic only)
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!Not verifying the Fedwire code with your bank for large transfers
How Fedwire Code Validation Works
Fedwire codes, also known as Federal Reserve Routing Numbers, use a mathematical validation system. Each 9-digit code contains a check digit that verifies its authenticity using the ABA (American Bankers Association) formula.
The Validation Formula
Fedwire codes use the same check digit formula as ABA routing numbers:
Where d₁ through d₈ are the first eight digits. The calculated result must match the 9th digit for the code to be valid.
Key Difference from ACH:
While Fedwire codes use the same validation formula as ACH routing numbers, they’re specifically reserved for wire transfers processed through the Federal Reserve’s Fedwire system. Not all valid routing numbers are valid Fedwire codes.
Understanding Fedwire Code Structure
Every Fedwire code follows this specific 9-digit pattern:
| Digits | What They Represent | Example | Federal Reserve District |
|---|---|---|---|
| 1-2 | Federal Reserve District | 02 | New York |
| 3-4 | Federal Reserve Office | 60 | Processing Center |
| 5-8 | Bank Identifier | 0959 | Specific Bank |
| 9 | Check Digit | 3 | Validation Digit |
Federal Reserve Districts
The first two digits indicate which Federal Reserve district processes the wire:
| Code | Federal Reserve District | Headquarters |
|---|---|---|
| 01 | Boston | Massachusetts |
| 02 | New York | New York |
| 03 | Philadelphia | Pennsylvania |
| 04 | Cleveland | Ohio |
| 05 | Richmond | Virginia |
| 06 | Atlanta | Georgia |
| 07 | Chicago | Illinois |
| 08 | St. Louis | Missouri |
| 09 | Minneapolis | Minnesota |
| 10 | Kansas City | Missouri |
| 11 | Dallas | Texas |
| 12 | San Francisco | California |
Common Questions About Fedwire Codes
What is a Fedwire code used for?
Fedwire codes are specifically for wire transfers processed through the Federal Reserve’s Fedwire system. They’re used for:
- Domestic wire transfers between US banks
- Real estate transactions (closing costs, down payments)
- Large business-to-business payments
- Time-sensitive financial transactions
- Settlements between financial institutions
What’s the difference between Fedwire and ACH routing numbers?
| Feature | Fedwire Codes | ACH Routing Numbers |
|---|---|---|
| Primary Use | Wire transfers | Direct deposit, bill pay |
| Speed | Same day (often within hours) | 1-3 business days |
| Cost | $15-$45 per transfer | Usually free |
| Transaction Limit | Millions of dollars | Often limited (varies by bank) |
| Finality | Immediate and irreversible | Can be reversed in some cases |
Critical: Using an ACH routing number for a wire transfer will fail. Always confirm you have the correct Fedwire code for wire transfers.
How do I find my bank’s Fedwire code?
Fedwire codes are available through:
- Bank’s website: Most banks list Fedwire codes in their wire transfer section
- Online banking: Check wire transfer setup pages
- Customer service: Call your bank’s wire transfer department
- Account documentation: Sometimes provided in account opening packets
Pro Tip: When asking for a Fedwire code, specify “for domestic wire transfers” to ensure you get the correct code.
Can a bank have multiple Fedwire codes?
Yes, banks can have multiple Fedwire codes for different purposes:
- Different geographic locations (New York vs. California offices)
- Different business lines (consumer banking vs. corporate banking)
- Different types of accounts (checking vs. savings)
- Historical reasons (from bank mergers)
Always verify which specific Fedwire code to use for your account and transaction type.
What information do I need with a Fedwire code?
To send a wire transfer, you typically need:
- Recipient’s full name (exactly as on their account)
- Recipient’s account number
- Recipient’s bank name and address
- Fedwire routing code (9 digits)
- Transaction amount and currency (USD for domestic)
- Purpose of payment (for regulatory compliance)
Fedwire Transfer Process Timeline
Understanding the wire transfer process helps set proper expectations:
| Time | What Happens | User Action Required |
|---|---|---|
| Before 3:00 PM ET | Wire submitted for same-day processing | Submit wire request with all correct details |
| 3:00 PM – 5:00 PM ET | Federal Reserve processes wires | Monitor for confirmation |
| 5:00 PM – 6:00 PM ET | Receiving bank processes incoming wire | Recipient should see funds |
| After 6:00 PM ET | Next business day processing | Plan accordingly for time-sensitive payments |
Cut-off Times Matter:
Most banks have wire transfer cut-off times (often 3:00 PM ET). Wires submitted after this time process the next business day. Holidays and weekends also delay processing.
Table of Common Fedwire Codes
For reference only. Always verify with your specific bank branch.
| Bank | Fedwire Code | Primary Location | Validation |
|---|---|---|---|
| Bank of America | 026009593 | New York, NY | ✓ Valid |
| JPMorgan Chase | 021000021 | New York, NY | ✓ Valid |
| Wells Fargo | 121000248 | San Francisco, CA | ✓ Valid |
| Citibank | 021000089 | New York, NY | ✓ Valid |
| U.S. Bank | 091000022 | Minneapolis, MN | ✓ Valid |
| Test Invalid | 123456789 | N/A | ✗ Invalid |
Security Best Practices for Wire Transfers
Wire transfers are immediate and generally irreversible. Follow these security practices:
Wire Transfer Safety Checklist
- Verify independently: Call the recipient using a known phone number to confirm bank details
- Start small: For new recipients, send a small test wire first ($1-10)
- Use secure networks: Never initiate wires on public Wi-Fi
- Enable alerts: Set up transaction alerts with your bank
- Keep records: Save all wire confirmation numbers and details
- Verify emails: Be wary of emailed wire instructions (call to confirm)
Wire Transfer Scam Red Flags:
- Urgent requests with threats or time pressure
- Last-minute changes to wiring instructions
- Requests to wire money to “unlock” funds or receive prizes
- Emails that don’t match previous communication patterns
- Instructions to keep the transfer secret
International vs Domestic Wire Transfers
Fedwire codes are for domestic (US) wire transfers only. For international wires, you need different information:
| Transfer Type | Routing Code | Additional Information | Processing Time |
|---|---|---|---|
| Domestic (US) | Fedwire Code (9 digits) | Account number, bank name | Same day |
| International | SWIFT/BIC Code (8-11 chars) | IBAN, bank address, intermediary banks | 2-5 business days |
| Canada | Canadian Routing Number | Institution + Transit numbers | 1-2 business days |
Tip for Large Transfers:
For transfers over $10,000, consider these additional steps:
- Schedule a wire transfer appointment at your bank branch
- Get written confirmation of all details
- Verify the receiving account has been open for at least 30 days
- Consider using escrow services for real estate or business transactions
What to Do If Your Wire Transfer Fails
Even with a valid Fedwire code, wires can fail. Here’s what to do:
- Check cut-off times: Was it submitted after the deadline?
- Verify all details: Account numbers must be exact (no typos)
- Contact sending bank: They can trace the wire
- Check for holds: Large or unusual wires may be held for verification
- Verify funds: Ensure sufficient funds were available
- Request a trace: Banks can trace wires through the Federal Reserve
Important: Wire transfers typically fail within hours if there’s an error. If you don’t see a failure notice within 4 hours, the wire likely processed successfully.
Frequently Asked Questions
Is my data safe when using this validator?
Yes. All validation happens locally in your browser. We don’t store, transmit, or log any data you enter. The validation runs entirely on your device using JavaScript.
What if my Fedwire code shows as invalid?
First, double-check all 9 digits. If still invalid, contact your bank immediately. Some banks use special routing numbers that don’t follow the standard validation formula. Never use an invalid Fedwire code for transfers.
Can I use this for international wire transfers?
No. Fedwire codes are for domestic US wire transfers only. International wires require SWIFT/BIC codes. This validator only checks US Fedwire codes.
How much do Fedwire transfers cost?
Costs vary by bank: outgoing wires typically cost $15-$45, incoming wires may be free or have small fees. Some banks offer free wires for premium account holders. Always check fees before sending.
Can I cancel a wire transfer after sending?
Generally no. Wire transfers are immediate and irreversible once processed. You can sometimes cancel before the cut-off time if you act quickly. Contact your bank immediately if you need to attempt cancellation.