I have two routing numbers - what do I do?

JJ Franco
JJ Franco
  • Updated

If you are using an intermediary bank, there are some scenarios where the wire instructions that you were provided contain two routing numbers. The instructions may look something like this:

Example Wire Instructions with Two Routing Numbers:

Bank Name (Receiving/Intermediary Bank):
Wells Fargo Bank, N.A.

Routing Number (for wires): 121000248

For Credit To (Beneficiary Bank):
ABC Credit Union
123 Credit Union Way
Anytown, ST 12345

Routing Number: 321123456 
Account Number: 123456789 (this is typically a master receiving account)

Final Credit To (Recipient’s Account):
John Doe
123 Main St
Anytown, ST 12345

Account Number: Member's Account Number

You will notice that when submitting wire instructions through CertifID there is only one space to provide a routing number. Here is a breakdown of how you would want to enter the information:

  • Routing number: [Receiving/Intermediary Bank Routing Number]
  • Account holder: [Name of Beneficiary Bank]
  • Account number: [Beneficiary Bank Account Number]
  • Confirm account number: [Beneficiary Bank Account Number]
  • Account billing address: [Address you have on file for your personal account]

Once you have entered the Billing Address, you will see a selection that says "Add final credit to." Once selected, additional fields will populate. Here you will provide the details for your account where the funds will ultimately end up.

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  • Account Name: [Your Full Name]
  • Account Number: [Your Account Number]
  • Confirm Account Number: [Confirm Your Account Number]

 

Still having issues submitting information with two routing numbers? Feel free to reach out to our Support team at support@certifid.com!

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