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Что такое чекинг аккаунт

Решено Что такое Bank routing number и Checking account number?


  • 24 Мар 2005
  • #1
  • Просит ввести на втором шаге регистрации селлерского акка.


    • 24 Мар 2005
  • #2
  • Spartak

    • 24 Мар 2005
  • #3
  • Spartak

    • 24 Мар 2005
  • #4
  • Nekto, спасибо!

    У меня в байерских данных стоял амер. адрес, исправил на Рус., все нормально


    • 11 Апр 2006
  • #5
  • Крутой иБаер
    • 18 Июл 2006
  • #6
  • DengiSolutions

    • 26 Сен 2006
  • #7
  • Oni prosat u vas detali vashego bankovskogo scheta

    Checking account number + routing number

    Routing number eto toge samoe chto SWIFT KOD esli ya neoshibayus,moget kto popravit

    Крутой иБаер
    • 26 Сен 2006
  • #8
  • DengiSolutions

    Да я уже разобрался.

    В процессе пришло понимание, что эти аттрибуты имеют смысл только по отношению к US domestic счету.


    • 26 Сен 2006
  • #9
  • Крутой иБаер
    • 26 Сен 2006
  • #10
  • А чем отличвается US от Северной Америки?


    • 27 Сен 2006
  • #11
  • EIKA,
    Если верить учебнику географии, к Северной Америке кроме США относятся Канада и Мексика.

    Если я не ошибаюсь, ABA/Routing # имеют только банки, входящие в ФРС США. В самих Штатах банков-не членов ФРС может и не быть (хотя чисто теоретически такое возможно), а вот в Канаде и Мексике – ИМХО скорее всего такие есть, особенно среди местных небольших банков.

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    SWIFT код – не очень удачная аналогия. Скорее, это аналогично номеру корреспондентского счета российского банка в ЦБ РФ.

    Крутой иБаер
    • 28 Сен 2006
  • #12
  • Аххх, простите мне мою серость. Но это не суть важно. Главное что большинству нашинских это не светит.


    • 11 Апр 2015
  • #13
  • Routing transit number (RTN) или ABA number – это девятизначный банковский код используемый в Соединенных Штатах. Этот код обычно расположен в нижней части на оборотной стороне банковских документов (например: чеки, кредитки и т.д.). Этот код определяет каким банком выпущен данный документ то есть к какому банку он относится.
    Номер роутинга получают из транзитных номеров банка введенных Американской Ассоциацией Банкиров, разработанной в 1910 году.
    Выглядит на чеке вместе с account number так

    Можно даже приобрести базу всех номеров из почти 20 тыщ записей всего за 89 долларов

    What Are the 6 Different Types of Checking Accounts?

    It’s always best to know your options in advance


    Checking accounts are an important part of the banking system. These deposit accounts give consumers a place to deposit their money, make transfers, write checks, pay bills, and do other routine banking transactions. The money in checking accounts is safe, as accounts are insured for up to $250,000 per depositor by the Federal Deposit Insurance Corporation (FDIC).   However, with so many different options available, how do you know which account is right for you?

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    Key Takeaways

    • Checking accounts are an important part of the banking system, giving consumers a place to do routine banking transactions.
    • Before you open a checking account, you should know your options and consider things such as monthly balances, fees, interest, and convenience.
    • Regular checking accounts are the most common, giving you all the features you’d expect from a checking account.
    • Premium accounts offer many perks but often require you to keep high balances.
    • Free checking accounts may not come with a monthly service charge, but they still incur fees for other services, such as overdrafts or out-of-network ATM usage.

    Know Your Situation

    Before you open a checking account, you should know your options. After all, not all checking accounts are created alike. The same applies to your financial situation—it’s unique to you, so your checking account should complement it. Here are a few things you’ll need to think about before you head into the bank to open up your account.

    Monthly Balance

    How much you plan on keeping on average every month will help you decide which type of checking account to open up. Will this balance be consistent throughout the lifetime of the account? Or will you only have a large balance at certain times during the year? Some accounts come with minimum balance requirements—which justify some of their perks—so you should keep that in mind.

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    Consider the fees associated with each type of account. You can avoid monthly service charges if you maintain a certain balance every month. Check to see if an account you’re interested in charges extra for things such as debit transactions and in-branch transactions. Maybe you can avoid certain fees by having automatic payments deducted for bills from your account or by setting up direct deposits. Knowing about the bank and its fee structures for each account can mean the difference between saving a lot of money or spending hundreds of unnecessary dollars in fees each year.


    Although you may not collect much, some checking accounts do pay interest. If you want to earn a little more—remember, that’s a little more—you can find a bank that gives you interest along with a place from which you can do your everyday banking. Interest is generally calculated on a daily basis and deposited directly into the checking account at the end of each month.


    If you’re the kind of person who prefers personal interaction, you’ll probably want a checking account at a bank that has a lot of branches. However, if you can do without, you’ll fare well with an online bank. These institutions don’t have very many brick-and-mortar locations—some don’t have any at all—but they offer the convenience of online and mobile banking with a debit card. Because they don’t offer teller service, many of these banks allow you to use different banks’ automated teller machines (ATMs) as well, which makes cash withdrawals easier and cheaper.

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    Now that we’ve outlined some of the basic considerations that go into choosing a checking account, here’s a list of some of the different types offered by most banks.

    Regular Checking Accounts

    A regular checking account simply lets you do all the things you’d expect from a checking account: deposit and withdraw money from an ATM, write checks, pay bills, and make purchases using a debit card. You may have to pay a monthly fee for the privilege of being an account holder, but many banks waive the fee if you keep enough money in your account.

    A regular checking account usually pays little or no interest on your balance. So if you’re looking for a little income, you may consider opening up a companion savings account to your checking account.

    Premium Checking Accounts

    If you have a five-figure sum or more to keep in a checking account, a premium checking account may be right for you. Having that high a balance in your account should allow you to avoid paying a monthly fee and provide perks such as ATM fee reimbursements, free checks, and earning a little bit of interest. You may also receive discounts on other services from the bank, such as a slightly lower mortgage interest rate or free financial advice. Still, that doesn’t mean a premium checking account is your best option, even if you can easily meet the minimum balance requirement.

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    The extra perks definitely sound great, but other options could work out even better. For example, you may earn a higher return on your excess cash while still keeping it accessible for emergencies by putting it in a money market account, government bonds, or a certificate of deposit (CD). Most people only need to keep high balances in their checking accounts if they have large, regular outflows, such as a high mortgage payment, large student loan payment, estimated tax payments, and/or hefty insurance premiums. As for the discounted services and free advice, you may get a better rate on services or better advice with another institution.

    A premium checking account may not be your best option, even if you can easily meet the minimum balance requirement.

    Interest-Bearing Checking Accounts

    Interest-bearing checking accounts give you a small return every month for the balance in your account. Some accounts pay a flat interest rate regardless of your balance, while others pay more on higher balances. The interest rate will almost certainly be below the inflation rate, but it might be comparable to what some savings accounts pay, giving you the best of both worlds—unlimited transactions and monthly interest payments—in a single account. However, you may not come out ahead with an interest-bearing checking account if its fees are too high. You may be better off with a free checking account, even if it pays less or no interest.

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    Free Checking Accounts

    Free checking means that the account doesn’t charge a recurring fee, such as a monthly maintenance fee, and doesn’t have a minimum balance requirement to avoid a fee. Nevertheless, that doesn’t mean that every single service associated with the checking account will be free. You may still have to pay for other services, including out-of-network ATM fees, check fees, overdraft fees, stop payment fees, and foreign transaction fees. These accounts may not pay any interest, as you’re already getting the benefit of not paying a monthly fee. That said, some free checking accounts do pay interest.

    Low-Balance Checking Accounts

    Low-balance checking accounts, sometimes called “lifeline accounts,” are for customers who can only maintain a small balance but want to receive banking services. In exchange for allowing you to keep an account with a very low or no minimum balance requirement, the bank may require you to do other things that save it money, such as writing only a limited number of checks each month and receiving monthly statements electronically instead of by mail. Some of these accounts may not even have check-writing privileges—permitting only online or debit-card payments—and may not allow overdrafts. Rather than let you go below a $0 balance, they will decline any transaction that exceeds your available balance.

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    Second-Chance Checking Accounts

    If a bank has closed your checking account in the past because of an unpaid negative balance and you’re ready to start over, a second-chance checking account may give you that opportunity. In exchange, you may have to pay a monthly fee of up to $20, and your account may have restrictions that other checking accounts don’t have, such as not allowing overdrafts. These accounts are available in all 50 states through banks and credit unions. Once you’ve maintained your account in good standing for a certain period—perhaps a year—you may become eligible for a regular checking account.

    How will a bank know if you’ve had a checking account closed in the past? Just as credit card issuers look at your credit report before letting you open an account, banks look at ChexSystems and Early Warning Services reports before letting you open an account. If banks are denying your checking account applications and you don’t know why, order copies of your bank credit reports and review them for errors.

    The Bottom Line

    Whatever your financial situation, there’s a checking account for you—as long as you don’t have a history of fraud and meet basic account-opening requirements such as proof of identity. If you’re looking for a specific feature, such as an account for someone who always has a low balance or an account that pays interest, start by looking for accounts specifically marketed toward people with those requirements.

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    Always keep in mind that checking account names are just marketing labels. A free checking account might serve you just as well as a low-balance checking account, and an interest-bearing checking account may pay more than a premium checking account. Changing checking accounts is a time-consuming chore, so choose carefully and try to get an account you’ll be happy with for years. In the case of a second-chance account, choose a bank you can see yourself staying with in the long term.

    What is a checking account and how does it work?

    A checking account is a type of deposit account that can be opened at a bank or credit union, allowing you to deposit and withdraw money quickly. Here’s how they work.

    Checking accounts play an integral role in many aspects of life, whether it’s receiving your paycheck or transferring money to someone else.

    Nearly eight in 10 (79%) U.S. adults 18 and older have a bank account, such as a checking account, according to the Fed’s report on the economic well-being of U.S. households in 2019 to May 2020. Of all the kinds of bank accounts, checking accounts through a bank or credit union offer the quickest and easiest access to your money.

    Below, CNBC Select reviews how checking accounts work, common fees, how they compare to savings accounts and how you open a checking account.

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    What is a checking account?

    A checking account is a type of bank account that allows you to easily deposit and withdraw money for daily transactions. This may include depositing a check you receive, taking out cash with your debit card or setting up direct deposit for your paychecks.

    Checking accounts are one of the most liquid bank accounts, meaning you have easy access to your money. They often allow unlimited deposits and withdrawals (though they may have daily maximums ranging from $300 and $5,000, depending on the bank).

    The primary purpose of a checking account is to hold your money in a secure place for the short term, so it’s available when you need it to pay your bills and other expenses. You can have your paycheck sent to your checking account (known as direct deposit) and then move a portion your earnings to a savings or investment account where it can grow over time.

    Checking accounts shouldn’t be used for long-term goals, such as saving for a house, since you earn a low interest rate, averaging about .04%. However, some banks may provide a variety of tiers for their checking accounts so there is always the chance to earn slightly more interest if you keep more money in your account.

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    Common checking account fees

    Like most financial products, checking accounts often charge fees. Here are two of the most common (and how to avoid them):

    1. Monthly service fee: Many checking accounts, especially from major banks, charge monthly fees to maintain your account that range up to $15. You may be able to waive the monthly fee if you meet certain requirements, such as maintaining a minimum balance or setting up direct deposit. There are also no-fee checking accounts that don’t have any monthly fees.
    2. Overdraft fee: If you spend more than the amount in your account, you may be hit with a steep overdraft fee averaging around $30. This can be avoided if you enroll in overdraft protection, which will decline transactions greater than your checking account balance or transfer extra funds from a linked savings account.

    Checking vs. savings accounts

    While checking and savings accounts are both types of bank accounts, they serve different purposes and the actions you can take with each vary. Here are some key differences:

    • Checking accounts come with a debit card. The debit card you receive allows you to withdraw money from your checking account. Savings accounts don’t provide a debit card, though you may be able to use one to access funds if your account is linked to a checking account at the same bank.
    • Checking accounts often have unlimited withdrawals. This provides flexibility on when you can access your money, compared to savings accounts that cap withdrawals at six times a month per law.
    • Interest rates are lower for checking accounts. Since checking accounts have low interest rates averaging .04%, it’s better to put large amounts of money in savings accounts with interest rates at or over 1%.
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    How to open a checking account

    After you’ve chosen a checking account, it’s relatively simple to open. You can sign up online or visit a local branch. You’ll need to provide personal information, such as your name, address and birthday, plus your social security number.

    In some cases, the bank may run a credit check, but it will likely be a soft pull that doesn’t hurt your credit. You can double check the terms before opening an account to verify this.

    Depending on the bank, you may be required to deposit money to open your account, which can be done by cash, check or online transfer. This can range from $1 to upwards of $50.

    You should also verify that the checking account is insured by the Federal Deposit Insurance Corporation (FDIC) or National Credit Union Administration (NCUA). The FDIC and NCUA both provide a standard insurance amount of $250,000 per depositor, per bank or credit union. This insurance protects and reimburses you up to your balance and the legal limit in the case your bank or credit union fails.

    What Is a Checking Account?

    Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here’s how we make money.

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    Checking accounts are financial accounts that are used for day-to-day cash deposits and withdrawals. You can access your money with a debit card, through online transfers or by writing checks.

    Here’s a closer look at checking accounts, plus some tips on how to select the right account for you.

    Checking accounts are handy, all-purpose places to keep money in the short- to medium-term. Your employer can directly deposit your paychecks in the account, you can link it to payment apps like Venmo and PayPal, you can pay bills from it and more. Checking accounts are a building block to manage your money and make all kinds of financial tasks easier.

    » More from NerdWallet:

    Checking accounts typically come with personal checks and a debit or ATM card. You’ll probably use a debit or ATM card to access the money in your account more often than checks.

    Checking accounts tend to have lower interest rates than savings accounts. Savings or money market accounts typically have higher interest rates. Certain providers, typically online-only financial institutions, offer checking accounts with higher interest rates.

    Fees can put an unnecessary dent in your pocket. Here are some to be aware of:

    » Want to avoid monthly fees altogether? Take a look at the

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    Here’s a sampling of accounts with a range of features.

    Here are some features to consider before opening a new checking account.

    There are several different types of checking accounts.

    Once you’ve selected a new account, opening it is mainly a matter of following the right steps and having a few important documents on hand.

    » For more details, here’s

    Now, you’re ready to start taking full advantage of the account. That may include signing up for direct deposit and online payments, and scheduling automatic transfers to your savings account to bolster your nest egg. These features and more will make you happy you found a place to park — and make use of — your cash.

    About the author: Chanelle Bessette is a personal finance writer at NerdWallet covering banking. She specializes in checking and cash management accounts. Read more

    Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.

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    Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc.: Licenses

    NerdWallet Compare, Inc. NMLS ID# 1617539

    California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812

    What Is a Checking Account?

    Definition & Examples of a Checking Account

    Miriam Caldwell has been writing about budgeting and personal finance basics since 2005. She teaches writing as an online instructor with Brigham Young University-Idaho, and is also a teacher for public school students in Cary, North Carolina.

    Khadija Khartit is a strategy, investment, and funding expert, and an educator of fintech and strategic finance in top universities. She has been an investor, entrepreneur, and advisor for more than 25 years. She is a FINRA Series 7, 63, and 66 license holder.

    A checking account is a bank account that allows easy access to your money. You can make purchases by using your debit card, checks, or account information.

    Learn more about how checking accounts work.

    What Is a Checking Account?

    A checking account is a deposit account, which is a bank account you can use to hold and withdraw money. Checking accounts allow you to easily access your funds in several ways.

    You can access your money by withdrawing cash at an ATM or branch, writing a check, sending an e-check, setting up an automatic transfer, or using your debit card. Checking accounts are typically used for day-to-day spending.

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    How a Checking Account Works

    Checking accounts have very few limitations when it comes to accessing your funds. You may have a daily ATM withdrawal limit, and your debit card may limit the amount you can debit from your account on a given day. Other than that, you can make purchases and payments using your checking account as long as you have enough money in your account to cover the purchases.

    As a trade-off for this availability, checking accounts typically don’t pay much in interest, and many accounts don’t pay any interest at all.

    Checking accounts may have monthly service fees, but many financial institutions waive these fees if you meet specific requirements. For example, you may need to maintain a minimum balance or have some amount of direct deposits each month to avoid service fees.

    Understanding Overdraft Options

    These accounts also have overdraft fees. In exchange for an overdraft fee, your bank or credit union covers a transaction that exceeds the money in your checking account. Your bank may offer overdraft protection, which you can decide whether to opt-in for.

    With overdraft protection, you may be able to link another account (like a savings account) to your checking account and automatically transfer money over if you have a negative balance. Some institutions will allow you to overdraw up to a certain limit and then they begin returning checks and declining transactions.

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    When you use a bank’s overdraft protection, you’re charged an overdraft fee; according to the Consumer Financial Protection Bureau, the median overdraft fee is $34.   If you decline overdraft protection, any transactions that could exceed your checking account balance will be declined. This prevents you from being charged overdraft fees, but it could mean not being able to complete purchases if you don’t keep an eye on your balance.

    Opening a Checking Account

    You can open a checking account by going to a bank or credit union branch or signing up online. You will need to provide your Social Security number, personal information like your address and date of birth, and a valid form of identification to open an account. You may also need to make a minimum opening deposit.  

    When you open up a checking account, the bank will also run a quick background check using a service like ChexSystems. ChexSystems maintains information about closed bank accounts. If you have been reported to ChexSystems or a similar company for having an account with a long-term negative balance, you may not be allowed to open an account until the negative balance is resolved.

    Most banks will not open a checking account for a minor, so if you are younger than 18 years old, you will need a co-signer on the account.

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    Banks sometimes offer cash bonuses as incentives for opening a checking account, so that’s something to look for when you’re shopping for a new checking account. You typically have to meet requirements like maintaining a certain balance.

    Checking Account vs. Savings Account

    Checking AccountSavings Account
    Few limits on withdrawalsLimited number of withdrawals per month
    Pays little or no interestPays a low interest rate
    Able to make direct payments with checks, debit cards, and account informationAble to make direct payments with your account information, subject to your withdrawal limits

    Savings accounts are designed to hold your money. They typically pay a low interest rate, but that rate is more than what you usually see with a checking account.

    Savings accounts typically limit the number of “convenient” transactions you can make in a given month. Convenient transactions include automatic transfers from savings accounts to other accounts and online and phone transfers out of your savings account. Financial institutions may also limit the number of withdrawals you can make from a savings account at an ATM or in person.

    Savings accounts also limit direct purchases. You may be able to pay bills online using your savings account information, but you can’t use a debit card or a check to make purchases using funds directly from a savings account. You would need to transfer the money to a checking account first.

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