FRB Routing Service

Routing Directory Database

AccelerationCloud maintains a Routing Directory database that includes detailed information about each financial institution's routing number. This database is regularly updated to reflect changes in the banking industry, such as mergers, acquisitions, and new bank openings.

It is used by financial institutions, businesses, and individuals who need to verify routing numbers for various transactions. It is typically accessed electronically through secure channels

It is restricted to authorized users, and it is crucial to maintain the security and confidentiality of this information to prevent misuse or fraud

FedWire & FedACH

Sample FedWire Request

curl --request GET \
     --url 'http://api-dev.accelerationcloud.com/api/v1/cores/utility/payment/routing/wire/validate?routingNumber=123456789' \
     --header 'accept: */*'

Sample FedWire Response

 {
"routingNumber" : "011000015",
"telegraphicName" : "FRB-BOS",
"customerName" : "FEDERAL RESERVE BANK OF BOSTON",
"customerState" : "MA",
"customerCity" : "BOSTON",
"fundsEligibility" : "Y",
"settlementOnly" : " ",
"securitiesEligibility" : "Y",
"changeDate" : "20040910"
}

FedWire Data Model

Field	Description
routingNumber	The institution’s routing number
customerName	Customer name
customerState	Customer state
customerCity	Customer city
fundsEligibility	Y– Eligible N - Ineligible
settlementOnly	S – Settlement - Only
securitiesEligibility	Y – Eligible N - Ineligible
changeDate	Date of Last Revision

Sample FedACH Request

curl --request GET \
     --url 'http://api-dev.accelerationcloud.com/api/v1/cores/utility/payment/routing/ach/validate?routingNumber=123456789' \
     --header 'accept: */*'

Sample FedACH Response

{
"routingNumber" : "011000015",
"officeCode" : "O",
"servicingFRBNumber" : "011000015",
"recordTypeCode" : "0",
"changeDate" : "020802",
"newRoutingNumber" : "000000000",
"customerName" : "FEDERAL RESERVE BANK",
"customerAddress" : "1000 PEACHTREE ST N.E.",
"customerCity" : "ATLANTA",
"customerState" : "GA",
"customerZip" : "30309",
"customerZipExt" : "4470",
"customerAreaCode" : "866",
"customerPhonePrefix" : "234",
"customerPhoneSuffix" : "5681",
"institutionStatusCode" : "1",
"dataViewCode" : "1"
}

FedACH Data Model

Field	Description
routingNumber	The institution’s routing number
officeCode	Main office or branch O=main B=branch
servicingFrbNumber	Servicing Fed’s main office routing number
recordTypeCode	The code indicating the RTN number to be used to route or send ACH items to the RFI 0 = Institution is a Federal Reserve Bank 1 = Send items to customer routing number 2 = Sent items to customer using new routing number field
changeDate	Date of last change to CRF information (MMDDYY)
newRoutingNumber	Institution’s new routing number resulting from a merger or renumber
customerName	Commonly used abbreviated name
customerAddress	Delivery Address
customerCity	City name in the delivery address
customerState	State code of the state in the delivery address
customerZip	Zipcode in the delivery address
customerAreaCode	Area code of the CRF contact telephone number
customerPhonePrefix	Prefix of the CRF contact telephone number
institutionStatusCode	Code is based on the customer’s receiver code 1 = Receives Gov/Comm

Accuracy

The accuracy of routing number information is essential for ensuring that financial transactions are processed correctly. AccelerationCloud will refresh the database every early morning and information in the Routing Directory Database is updated daily, generally by 6:00 a.m. ET