支票上的金融机构识别码用于识别签发该支票的银行。金融机构识别码也称ABA码，证明签发该支票的银行是合法的联邦银行分行或州立银行，同时有权在联邦储备银行存款。自1911年起，Accuity就一直是美国银行家协会 (ABA) 金融机构识别码的官方管理机构。与用于识别个人账户的支票编号不同，金融机构识别码是用于识别你的账户所在的银行。如果你想申请重新签发支票、将支票里的钱直接汇入存储账户或通过电话用支票缴纳账单，那么你就要用到该识别码了。
步骤
方法 1 的 3:
找到金融机构识别码
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1
看支票左下角。一般金融机构识别码都在这个位置。
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2
找到如下所示的图标。该图标通常都是在支票上左下角的位置，但有的支票（如部分公立银行的支票）也不一定，可能出现在里面一点的位置，及MICR磁头那里。
- 支票底部有很多图标，不要把表示识别码的图标和其他的混淆起来。有的图标表示支票编号，有的是一条短横，有的（如果你在银行工作过的话你就会知道）则表示支票金额（通常在右下角）。
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3
找出图标后面的前9位数字。这就是金融机构识别码。第二组数字则是你的账户编码。
- 如果两组数字分开得不明显，那么只要记住，金融机构识别码一定是9位的。
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4
通过图标确认识别码。
- 表示金融机构识别码的图标看起来像是左边有一短竖，右边有两个竖着排列小方块。
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5
检查识别码的第一位。所有识别码都是以0、1、2或3开头。
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6
找到识别码后面的账户编码。
- 账户编码后面通常都会跟这样一个符号：竖直的长方形加一个类似上标一样的小方块。
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7
看剩下的数字。
- 最后一组数字是支票编码，用于识别签发该支票的账户。这里的支票编码与右上角的支票编码是一致的。
方法 2 的 3:
使用网上数据库
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1
根据银行名称查询金融机构识别码。
- 在网上数据库中查询金融机构识别码时，你可以输入银行名称，这样就可以找到了。输入银行所在州的名称也是有帮助的。
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2
如果用银行全称查不到的话就输入名称的一部分。
- 有时银行名称会以缩写的形式存在数据库中，这样你用全称查就查不到了。不过，如果你只输入名称的一部分的话，就可以扩大搜索范围，提高查到的几率。
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3
你也可以通过识别码来查询银行。如果你想要查找签发该支票的银行的信息，那么通过识别码就可以轻松查找到。
方法 3 的 3:
购买金融机构识别码ABA指南
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1
进入Accuity的购买页面。
- 作为美国金融机构识别码的官方管理机构，Accuity定期发布并更新金融机构识别码ABA指南，提供相关银行的最新信息。你可以点击页面上的“ABA Key to Routing Numbers”查询详细信息。
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2
给Accuity打电话购买。
- 该公司在美国的免费订购电话是1-800-321-337。
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3
给Accuity寄邮件。
- 该公司的邮寄地址是“P.O. Box 916, Skokie, Illinois 60076-0916（伊利诺伊州，斯科基，916信箱，60076-0916）”。
小提示
- 用于表示识别码及账户编码的图标并不是什么数字。找识别码时，一定要先找到相应的图标。
- 如果某银行的识别码末位为0，当你使用该识别码时，一定要小心不要把0遗漏掉。
警告
- 不要依赖存款单上的识别码，有的银行存款单上的识别码与支票上的识别码是不同的。