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Imagine starting a new job and filling out the paperwork to set up direct deposit for your paycheck, only to discover that you’ve sent it to the wrong account. How could this happen?
Entering just one wrong number of your routing number could send your money to the wrong place. Your routing number is used for a number of financial transactions, and it’s important to the fund transfer process.
But your bank account is made up of so many different numbers and it’s hard to keep track of all of them and their purposes. Today we’ll tell you everything you need to know about your routing number in our How to Find VanCity Routing Number article.
The first thing you need to know when learning how to find VanCity routing number information is what precisely a routing number is.
A routing number is a bank identification number that’s used in most financial transactions. It’s used to identify both the branch number (5 digits) and the financial institution number (3 digits) associated with the bank account. Routing numbers in Canada are typically around 8-9 digits long.
Usually the quickest way to learn how to find VanCity routing number information is to find your VanCity institution number, which is 809. If you also learn your 5-digit branch number, you’ll be able to track down your VanCity routing number pretty quickly!
One good distinction you need to make when you’re learning how to find VanCity routing number information is learning the difference between your routing number, your transit number and your account number.
Your transit number is part of your routing number that indicates the particular bank branch you use. It’s typically 5 digits.
Your routing number is an 8-digit number used for financial transactions that’s made up of two parts: your transit number and your institution number.
Your account number is the 7-12 digit number that identifies not your bank, but specifically your bank account. For funds transfers and to set up your automatic payments, you’ll typically need your routing number and your account number.
You’ve definitely seen a routing number before if you’ve ever written or received a cheque. It’s right at the bottom of the cheque, along with a few other important bank numbers, like your account number.
You’ll see your different identifying numbers along the bottom of the cheque with various symbols separating them.
Usually, the numbers will be displayed in this order from left to right: cheque number, transit number, institution number and your account number.
If you’re still confused about how to find VanCity routing number information, track down your institution number and it should make the task a bit easier.
Here’s an illustration that should teach you how to find VanCity routing number information:
The mobile app is a valuable tool when you’re learning how to find VanCity routing number information. Here’s how to find VanCity routing number info through the mobile app:
You can use your desktop to find your routing number, as well. Here’s how:
One of the things you’ll find instrumental in learning how to find VanCity routing number information is knowing your VanCity institution number. You can typically identify your routing number using your institution number.
The institution number for VanCity is 809. So, just look for “809” to find your routing number!
Part of learning how to find VanCity routing number information is learning how to find your transit number. Luckily, you have a few options available to you.
If for some reason your transit number is only 4 digits long instead of 5, just add a 0 to the beginning of it. So if your transit number is 3456, add a 0 to make it 03456.
If you have an account number that’s 9 digits long and you run across a form that requires an 11 digit account number, just add two 0’s to the beginning of it. So, if your account number is 987654321, add 0’s until it becomes 00987654321. This should resolve the issue.
If you’re learning how to find VanCity routing number information, it may be important for your to know that there are different types of routing numbers that are used for different transactions.
Typically there are two routing number types: Electronic Transactions and Paper Transactions.
For both of them we’ll represent the institution number with XXX and the branch number with YYYYY.
This is invaluable information if you’re learning how to find VanCity routing number information. Of course you can find your routing number on a cheque. So get out your chequebook and look at the bottom of it to find your routing number.
If you’re out of cheques, you can order more by heading down to your local branch and requesting more.
You can also order them online by going to Online Banking > Account Services > Order Cheques.
From there you can choose the appropriate bank account, the number of cheques you need, and choose a design. Your cheques will be delivered to you in around 2-4 weeks.
If you’re learning how to find a VanCity routing number and wondering what on earth you’d ever use it for, the answer is a direct deposit or pre-authorized payment form. This form will require your account and routing numbers.
Some of the information required on this form includes your name, banking information, date, signature, and more. This can all be found through your online banking account.
Why would you need this form? Say you don’t have a cheque, you can give someone a direct deposit form so they can pay you, or use a pre-authorized payment form so that you can pay your bills without having to use a cheque.
You can get the pre-authorized payment or direct deposit form here.
If you don’t have access to your computer or phone and you don’t have a cheque handy, it may seem like you’re out of luck. Luckily, you can still get access to your VanCity routing number. How? Through your bank, of course! Sometimes the most obvious answer is the simplest, afterall.
Not only can you walk into your banking branch to request your routing number, you can also call 604-877-7000, or the toll-free number: 1-888-826-2489.
You should know that your transit and routing number are the only numbers that ensure that your money safely makes it into your account or goes to someone else’s account when you want it to.
If you get just ONE of the numbers in your routing number wrong, the transaction could be delayed, held up indefinitely, or you may lose your money because you’ve sent it to another account (the wrong one!).
So, to make absolutely sure that you’re using the right routing number, then call your local branch and ask them to provide you with the correct number. This should prevent a lot of financial calamities.
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