Question 1

Which routing number do I use for a bank in Rhode Island?

Accepted Answer

Your routing number is tied to the state where you opened your account, not simply where you live now. Find your bank below and use the number listed for Rhode Island, and confirm it against a cheque or your bank before sending funds. Wire transfers often use a different number from ACH and direct deposit.

Question 2

Is a bank's routing number the same across every state?

Accepted Answer

No. Large banks use different routing numbers by region because of how they grew through mergers. A number that is correct for an account opened in Rhode Island may be wrong for the same bank in another state.

Question 3

What is the difference between the paper, electronic, and wire numbers?

Accepted Answer

The paper number is printed on your cheques and used for cheque clearing; the electronic (ACH) number is used for direct deposit and automatic payments; the wire number is used for same-day domestic wire transfers. Using the wrong type can delay or reject a transfer.

Rhode Island Bank Routing Numbers

Bank of America

TD Bank