Use the RTN to direct the payment to the beneficiary, recipient, or representative
The RTN is 9 positions, all numeric. The last position is called a “check digit” and
is used by the system to verify the number.
For checking accounts, locate the RTN in the coding on the check. You may also use
records of RTNs available in the FO. Do not use the routing number on a deposit slip. This number is for the FI’s internal routing
and may cause the payments to erroneously go through International Direct Deposit
(IDD) when used for direct deposit enrollment.
For savings accounts, the RTN is usually not found on account statements or passbooks.
Therefore, use other means of getting the information (see subsection GN 02402.035A.2.c. in this section).
For instructions on where to find the RTN on account documentation, see GN 02402.040.