▣ DATA VALIDATION · FINANCE

US Routing Number Validation API

What it does

Routing Number Validator checks whether a U.S. routing number is valid. Send a 9-digit routing_number in the query string, and get a response indicating the result back.

Use it when you need to verify bank routing data before creating a payment flow, storing customer banking details, or running preflight checks on ACH-related forms. The endpoint is focused on one job: The endpoint validates the routing number format, checksum, and attempts to match it against the FedACH routing directory.

The request schema is simple and strict: a single routing_number string exactly 9 characters long. If your app collects bank details from users, this endpoint fits into the step where you reject malformed routing numbers early and keep invalid records out of downstream systems.

GET

Validate routing number

https://api.eu.apyhub.com/dosvak/validate-routing-number

QUICKSTART

GUIDE

Quickstart

Validate a routing number by passing the required routing_number as a query parameter.

curl -X GET "https://api.eu.apyhub.com/dosvak/validate-routing-number?routing_number=021000021" \
  -H "apy-token: $APY_TOKEN"

What you'll get back

Returns a JSON object containing the validation result, checksum status, reference match status, bank information (when available), and attribution details.

{
  "input": "021000021",
  "normalized": "021000021",
  "checksum_valid": true,
  "valid": true,
  "reason": "ok",
  "reference_status": "matched",
  "reference_match": true,
  "bank": {
    "routing_number": "021000021",
    "customer_name": "JPMORGAN CHASE",
    "city": "TAMPA",
    "state": "FL",
    "zip_code": "336100000",
    "phone": "8134323700",
    "institution_status_code": "1",
    "source": "fedach",
    "updated_at": "2026-07-29T17:19:03.916039Z"
  },
  "attribution": []
}

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About this endpoint

What it does

Validates a routing number supplied on the request. Returns the checksum result, whether the number matches the FedACH reference data, and the bank record when a match is found.

Query Parameter(s)

Attribute	Type	Description
routing_number	String	Routing number; exactly 9 characters long (`minLength: 9`, `maxLength: 9`).

Response

Returns a JSON object with the validation result, checksum status, reference match status, the bank record when available, and attribution information.

Parameter	Type	Description
input	String	The routing number supplied in the request.
normalized	String	The routing number after whitespace and separators are stripped.
checksum_valid	Boolean	`true` when the number passes the ABA checksum.
valid	Boolean	Overall verdict. `true` when the number passes the checksum and, where applicable, matches reference data.
reason	String	Why the verdict was reached, for example `ok`.
reference_status	String	Outcome of the reference-data lookup, for example `matched`.
reference_match	Boolean	`true` when the number was found in the FedACH reference data.
bank	Object	The matched bank record. Absent when no reference match was found.
bank.routing_number	String	The bank's 9-digit routing number.
bank.customer_name	String	Registered name of the institution.
bank.city	String	City.
bank.state	String	Two-letter state code.
bank.zip_code	String	ZIP code, including the +4 extension when present.
bank.phone	String	Contact phone number, digits only.
bank.institution_status_code	String	FedACH institution status code.
bank.source	String	Dataset the record came from, for example `fedach`.
bank.updated_at	String	When the record was last refreshed. Format: date-time.
attribution	Object Array	Source attribution entries for the dataset. Empty when no attribution is required.

▣ COMMON ERRORS

Errors any endpoint can return

400bad_request

Required parameter missing or malformed body.

401unauthorized

API key missing, revoked, or not authorized for this service.

429rate_limited

Your plan's per-second rate exceeded. Retry with exponential backoff.

503upstream_busy

Backend temporarily unavailable. Try again in a few seconds.

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