FAQ

How will the IRS know what account number and routing number to use if they send me a new Netspend card?
You tell them which bank account to send your refund too. Typically netspend cards are accounts drawn from a bank. Let's look up the netspend banks by country shall we.Direct Deposit Prepaid Card | Netspend Prepaid Debit CardFrequently Asked Questions | Netspend Prepaid Debit CardsNetSpend Corporation Website
How do I get my routing number from my bank?
The American Banking Association routing transit number or ABA RTN, the nine-digit code found on your checks, was first developed over 100 years ago in 1910.The nine digit routing transit number code used in the United states was originally used to facilitate the sorting, bundling and shipment of paper checks back to the check writer’s account. The routing number system has expanded since then to accommodate new payment methods like wire transfers, ACH transfers and other things.The RTN number was developed in 1910, and has been in use ever since.So who is eligible to get an ABA Routing Number? RTN numbers are assigned to member banking institutions by Accuity, the official registrar of the ABA, after they submit an application.According to the ABA there are currently about 28,000 active RTN numbers.What Do The Numbers In The Bank Routing Number Mean?So what do the digits of the routing number actually mean? The numbers reflect a bank's geographic location and internal handling information used by the Federal Reserve.The first two digits of the routing number correspond to the 12 Federal Reserve Banks, so whatever region your particular bank is in will be represented by these two digits.The third digit corresponds to the Federal Reserve check processing center that was originally assigned to the bank, although these days processing is now centralized at the Atlanta Fed.The fourth digit tells you if the bank is located in the Federal Reserve city proper with a 0, or 1-9 according to which state in the Federal Reserve district it's in.The fifth through eighth digits correspond to the bank's unique ABA identity within it's Fed district.The ninth digit provides a check digit for a checksum test to verify the number is a valid one.An Example ABA Routing Transit NumberBy way of example, here's how one of my bank's 9 digit routing numbers would break down:TCF Bank Routing Number – 29107000129 (Minneapolis Federal Reserve District, Credit Union or Savings Bank)1 (Bank check processing center #1)0 (In Federal Reserve city of Minneapolis proper)7000 (Bank ID number)1 (Check digit)How does the check digit in the 9th position work? You take the 9 digit routing number, and apply a checksum algorithm called “modules 10” against it, which requires you perform a calculation on the routing number.You take the 1st, 4th and 7th digit and multiply them by 3. You take the 2nd, 5th and 8th digit and multiply them by 7. Then you take the 3rd, 6th and 9th digits and multiply them by 1. Then you add all the resulting numbers. The total should be easily divisible by 10 with no remainder. If it is, it is a valid routing number.So for our TCF Bank routing number 291070001, here is what the calculation looks like:(2x3)+(9x7)+(1x1)+(0x3)+(7x7)+(0x1)+(0x3)+(0x7)+(1x1) = 120120 is easily divisible by 10 and has no remainder, so it is a valid routing transit number.So there is some reasoning behind these routing numbers, it makes some sense when you dig into it.How To Find Your Bank's Routing NumberSo now that we knew the reasoning behind the bank routing number, and what the number means, how do you find your bank's routing number?There are several places you can go to find your RTN.Find Routing Number On CheckProbably the easiest place to find your bank's routing number is to look at your paper checks.The account number isn't always listed first, but you always know that it's going to be 9 digits, and that it shows at the bottom between two symbols that look like this:Find that symbol, and you'll see the routing number in-between.Find Routing Number On Bank's Website Or On Your StatementJust do a search for “Bank Name + routing number” on Google, and you should be able to find the correct RTN to use.Find Routing Number By Calling Your BankYou can also find your bank's routing number just by calling your bank's customer service line.If you're not able to find the routing number on your bank's site, the customer service reps should have that information handy as I'm sure it's something that customers ask for quite often.Routing numbers and customer service phone numbers for the top 10 banks
How do you determine your bank account number?
There are various ways to do this.some of them are listed here:Go to an ATM of yours bank and print a mini statement.Logged in at internet banking facility of yours bank portal and click on “ Accounts “ tab.Check yours email,may be yours bank has sent you a consolidated account statement that you can open and get the account number.Have a look over yours chequebook on any check.Yours account number would be listed under a small box in the centre.Give a call to your personal banker and ask.
How do you find the routing numbers for Citibank?
You can find them from hereCitibank NA Routing Number ORHelp - Citibank
What is a bank routing number and how can I find mine out?
For US bank accounts it is the nine digit number on the bottom of a printed check between two of the MICR "transit" or "⑆" symbols .  For example ⑆123456789⑆.  I recommend against the option of looking it up on google because one bank may use multiple routing numbers for different branches/regions, especially if it has been through many acquisitions (as most large banks have).  If you don't have printed checks you can call the bank and ask.
How do I transfer money from one netspend card to another netspend card?
Transferring money between NetSpend accounts is easy and free. Just log into your NetSpend account here to link your cards: Netspend Prepaid AccountNetSpend is easy and flexible. You shouldn't have any trouble spending or moving your funds any way that you want to.