Find an Account Number on a Business Check: Examples and Explanation

With all those numbers required for business checks, writing them can certainly be tedious. This article will help you get familiar with these account numbers but also help you decide whether traditional banking or a digital method is the right choice.

We’ll also look at how Wise Business can simplify sending money both domestically and internationally.

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Where Is the Routing Number on a Business Check?

Out of the three numbers on a business check – account number, cheque number, and routing number – the routing number is often the most misunderstood. This string of numbers is a unique nine-digit code assigned to each bank in the US. It’s essentially the bank’s address, identifying where your money needs to go when you’re making a payment, transfer, or deposit.

The right routing number depends on the purpose of your transaction and the bank. Many banks list their routing numbers in the account information or statement sections, or you can scour the bank’s website for more information. Alternatively, you can also call the bank’s customer service line for extra help.

Learn More: How to change business bank accounts

Wells Fargo

Although there are multiple types of business checks available at Wells Fargo, the routing number will be located in the same location on the check – on the bottom left-hand side.¹

Bank of America

Like Wells Fargo checks, Bank of America has its routing number on the bottom left-hand side of the check. In this case, however, there is both an ABA Check Routing Number and an ACH Routing Number.² ABA routing numbers are for paper or check transfers, and ACH routing numbers are used for electronic transfers.³

Chase

For Chase Bank users, the 9-digit routing number will be located in the bottom left-hand corner of the check.⁴

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CitiGroup

For all CitiGroup institutions, the ABA Check Routing Number is located in the bottom left-hand corner.⁵

PNC

All PNC checks have the routing number placed in the bottom left-hand corner.⁶

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Other Ways to Make Online Payments

In a digitally-driven society, businesses aren’t confined to writing checks anymore. There are countless ways to make important financial transactions, with alternatives that can even improve your financial operations.

• Online Payment Service Providers - Digital platforms like PayPal, Square, and Wise Business make accepting and sending money online easy. While Square is best suited as a point-of-sale system and PayPal offers a purchasing experience called PayPal Checkout, Wise Business is all about simplifying the international transaction.
• ACH Transfers - Automatic Clearing House (ACH) transfers are a digital way to transfer money between banks. They’re most popular for direct deposit payments to employees, whether it’s an ACH credit deposit or an ACH-authorized debit.
• Wire Transfers - Wire transfers involve transferring funds electronically from one person to another through a network such as SWIFT.⁷ These transfers can be much faster than checks, but they often come with much higher fees as well. There are two types of wire transfers, including domestic ones within the same country and international ones between different countries.
• Invoicing Platforms - Invoicing platforms work to facilitate the billing process between businesses and their clients. Platforms such as QuickBooks and Freshbooks manage the entire invoice lifecycle, where businesses can create, send, and track invoices. Certain platforms may be more suitable for businesses of certain sizes or those looking for specific features like tax features or customizable templates.

Save Time and Money On Overseas Payments With Wise Business

Wise Business can help you save big time on international payments.

Wise is not a bank, but a Money Services Business (MSB) provider and a smart alternative to banks. The Wise Business account is designed with international business in mind, and makes it easy to send, hold, and manage business funds in currencies.

Signing up to Wise Business allows access to BatchTransfer which you can use to pay up to 1000 invoices in one go. This is perfect for small businesses that are managing a global team, saving a ton of time and hassle when making payments.

Some key features of Wise Business include:

• Mid-market rate: Get the mid-market exchange rate with no hidden fees on international transfers

• Global Account: Send money to countries and hold multiple currencies, all in one place. You can also get major currency account details for a one-off fee to receive overseas payments like a local

• Access to BatchTransfer: Pay up to 1000 invoices in one click. Save time, money, and stress when you make 1000 payments in one click with BatchTransfer payments. Access to BatchTransfer is free with a Wise Business account

• Auto-conversions: Don't like the current currency exchange rate? Set your desired rate, and Wise sends the transfer the moment the rate is met

• Free invoicing tool: Generate and send professional invoices

• No minimum balance requirements or monthly fees: US-based businesses can open an account for free. Learn more about fees here

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