Fisher information: Difference between revisions

From formulasearchengine
Jump to navigation Jump to search
← Older editNewer edit →
en>Monkbot
Line 1: Line 1:
A '''routing transit number (RTN)''' is a nine digit [[bank code]], used in the [[United States]], which appears on the bottom of [[negotiable instruments]] such as [[cheque|check]]s identifying the financial institution on which it was drawn. This code was designed to facilitate the sorting, bundling, and shipment of paper checks back to the drawer's (check writer's) account.
Over time, the data on your hard drive gets scattered. Defragmenting a difficult drive puts a data into sequential order, creating it easier for Windows to access it. As a outcome, the performance of your computer may better. An excellent registry cleaner allows work this task. But should you would like to defrag a PC with Windows software. Here a link to show you how.<br><br>Another solution would be to offer the computer system with a unique msvcr71 file. Often, once the file has been corrupted or damaged, it may no longer be able to function like it did before thus it's only all-natural to substitute the file. Simply download another msvcr71.dll file within the web. Frequently, the file might come in a zip formatting. Extract the files within the zip folder plus region them accordingly inside this location: C:\Windows\System32. Afterward, re-register the file. Click Start and then choose Run. Once the Run window appears, type "cmd". Press Enter and then sort "regsvr32 -u msvcr71.dll" followed by "regsvr32 msvcr71.dll". Press Enter again and the file should be registered accordingly.<br><br>So, this advanced double scan is not merely among the greater, however, it is moreover freeware. And as of all this which many respect CCleaner 1 of the better registry products inside the marketplace now. I would add which I personally choose Regcure for the simple reason which it has a greater interface and I understand for a truth which it is ad-ware without charge.<br><br>It is general which the imm32.dll error is caused as a result of a mis-deletion activity. If you cannot find the imm32.dll anywhere on a computer, there is no question that it should be mis-deleted whenever uninstalling programs or other unneeded files. Hence, we can directly cope it from alternative programs or download it from a safe internet plus then place it on a computer.<br><br>The 2nd step to fixing these mistakes is to utilize a system called a "[http://bestregistrycleanerfix.com/tune-up-utilities tuneup utilities]" to scan by your computer and fix some of the registry mistakes which can additionally be leading to this error. A registry cleaner is a software program which will scan from your computer and repair some of the difficulties which Windows has inside, permitting a computer to "remember" all of the settings it has when it loads up. Although the registry is continually being selected to help load up a large number of programs on your PC, it's continually being saved incorrectly - leading to a big amount of errors to be formed. To fix this issue, it's recommended you download a registry cleaner within the Internet and install it on your Pc, permitting Windows to run smoother again.<br><br>The software finds these difficulties and takes care of them in the shortest time possible. Your difficult drive would also cause difficulties at times, incredibly should you have one that is virtually maxed. When a begin your machine, the are so many booting processes included plus having an almost full storage space does not assist a bit. You will constantly have a slow PC because there are a lot of items in the difficult disk being processed simultaneously. The best way to resolve this problem is to upgrade. This allows a PC some time to breath plus working faster instantaneously.<br><br>By restoring the state of the system to an earlier date, error 1721 will not appear inside Windows 7, Vista plus XP. There is a tool called System Restore which you have to utilize inside this process.<br><br>By changing the way we use the internet you are able to have access more of the valuable bandwidth. This will ultimately provide we a faster surfing experience. Here is a link to 3 methods to customize a PC speed found on the net.
 
The RTN is also used by [[Federal Reserve Bank]]s to process [[Fedwire]] funds transfers, and by the [[Automated Clearing House]] to process [[wiktionary:direct deposit|direct deposit]]s, bill payments, and other such automated transfers.
 
The RTN number is derived from the bank's transit number originated by the [[American Bankers Association]], which designed it in 1910.<ref name="bo04">{{harv|Bankers' Hotline|2004}}</ref>
 
==ABA number management==
Since 1911, the American Bankers Association has assigned transit numbers through a series of registrars, currently [[Accuity]].<ref>[http://www.accuitysolutions.com/co-press-release.html?id=20080114QK8G3EH8 Accuity also registers SWIFT codes]</ref> The company is responsible for assigning new ABA numbers. Accuity publishes the ABA Number Directory in the ''American Bankers Association Key to Routing Numbers'' semi-annually.
 
There are approximately 26,895 active routing and transit numbers currently in use.<ref>http://www.fededirectory.frb.org</ref> Every financial institution in the United States has at least one of these. Multiple RTNs may result from mergers.
 
ABA numbers are only for use in domestic transactions within the United States and are of two types, one for funds being debited or credited to or from accounts and one that is used for wire transfers. They are different and usually the ABA number on a check book which is usually the middle set of nine numbers printed at the bottom of the check is the former. Domestic transfers that use the debit/credit routing number will usually be returned to the sending bank. Incoming international wire transfers use a different code system administered by the [[SWIFT|Society for Worldwide Interbank Financial Telecommunication (SWIFT)]].  The code is called  SWIFT-BIC, BIC code, SWIFT ID or SWIFT code more of which can be read about under [[ISO 9362]].  There are a number of overlapping issues between these codes and complicating the matter is the fact that European Banks  use an [[IBAN]] code.
 
The [[IBAN]] was originally developed to facilitate payments within the European Union but the format is flexible enough to be applied globally. It consists of an ISO 3166-1 alpha-2 country code, followed by two check digits that are calculated using a mod-97 technique, and Basic Bank Account Number ([[BBAN]]) with up to thirty alphanumeric characters.[4] The BBAN includes the domestic bank account number and potentially routing information. The national banking communities decide individually on a fixed length for all BBAN in their country.
 
==Routing number format==
[[File:Knuth-check2.png|300px|thumb|right|A check showing the fraction form (top middle-right, ''11-3167/1210'' plus branch number 01) and MICR form (bottom left, ''129131673'') of the transit number.]]
The ABA transit number appears in two forms on a standard check&nbsp;– the fraction form and the [[MICR]] (magnetic ink character recognition) form.<ref name="bo04" /> Both forms give essentially the same information, though there are slight differences.
 
The MICR forms are the main form&nbsp;– it is printed in magnetic ink, and is machine-readable; it appears at the bottom left of a check, and consists of nine digits.
 
The fraction form was used for manual processing before the invention of the MICR line, and still serves as a backup in check processing should the MICR line become illegible or torn; it generally appears in the upper right part of a check near the date.
 
The MICR number is of the form
: XXXXYYYYC
where XXXX is Federal Reserve Routing Symbol, YYYY is ABA Institution Identifier,
and C is the Check Digit, while the fraction is of the form:
: PP-YYYY/XXXX
where PP is a 1 or 2 digit Prefix, no longer used in processing, but still printed. Sometimes a branch number or the account number are printed below the fraction form; branch number is not used in processing, while the account number is listed in MICR form at the bottom. Further, the Federal Reserve Routing Symbol and ABA Institution Identifier may have fewer than 4 digits in the fraction form. The essential data, shared by both forms, is the Federal Reserve Routing Symbol (XXXX), and the ABA Institution Identifier (YYYY), and these are usually the same in both the fraction form and the MICR, with only the order and format switched (and left-padded with 0s to ensure that they are 4 digits long).
 
The prefix and the Federal Reserve Routing Symbol (XXXX) are determined by the bank's geographical location and treatment by the Federal Reserve type, while the remaining data (YYYY, and Branch number, if present) depends on the specific bank, and are unique within a Federal Reserve district.
 
In the check depicted above right, the fraction form is ''11-3167/1210'' (with ''01'' below it) and MICR form is ''129131673'' which are analyzed as follows:
* the ''prefix'' 11 corresponds to Dallas,
* 3167 (common to both) is the ABA Institution Identifier,
* 1210 and 1291 are the Federal Reserve Routing Symbols (generally equal, here different probably due to obfuscation, see image file history for more information), with the initial "12" corresponding to the Federal Reserve Bank of San Francisco, the third digits ("1" and "9") corresponding to check processing centers, and the fourth digits ("0" and "1") corresponding to where the bank is located&nbsp;– "0" indicates "in the Federal Reserve city of San Francisco", while "1" indicates "in the state of California".
* the final "3" in the MICR is the check digit, and
* the "01" below the fraction form is the branch number.
 
In the case of a MICR line that is illegible or torn, the check can still be processed without the check digit. Typically, a repair strip or sleeve is attached to the check, then a new MICR line is imprinted. Either 021200025 or 0212-0002 (with a hyphen, but no check digit) may be printed, and both are 9 digits. The former (with check digit) is preferred to ensure better accuracy, but requires computing the check digit, while the latter is easily determined by inspection of the fraction, with minimal clerical handlings.
 
==MICR Routing number format==
The MICR routing number consists of 9 digits:
: XXXXYYYYC
where XXXX is Federal Reserve Routing Symbol, YYYY is ABA Institution Identifier,
and C is the Check Digit.
 
===Federal Reserve Routing Number===
The Federal Reserve Routing Numbers were originally assigned in the systematic way outlined below, reflecting a bank's geographical location and internal handling by the Federal Reserve. However, the link is today tenuous&nbsp;– following banking consolidation, many banks use a routing number from a now-defunct bank, while the Federal Reserve no longer assigns specific numbers for thrifts, nor does the "check processing facility" have any current meaning, as check processing is now centralized within each Federal Reserve district.<ref name="bur05">{{Harv|Burnett|2005}}</ref>
 
====First two digits====
The first two digits of the nine digit ABA number must be in the ranges 00 through 12, 21 through 32, 61 through 72, or 80.
 
The digits are assigned as follows:
* 00 is used by the [[United States Government]]
* 01 through 12 are the "normal" routing numbers, and correspond to the 12 [[Federal Reserve Bank]]s. For example, 0260-0959-3 is the routing number for Bank of America incoming wires in New York, with the initial "02" indicating the [[Federal Reserve Bank of New York]].
* 21 through 32 were assigned only to [[Cooperative banking|thrift institutions]] (e.g. [[credit union]]s and savings banks) through 1985, but are no longer assigned (thrifts are assigned normal 01–12 numbers). Currently they are still used by the thrift institutions, or their successors, and correspond to the normal routing number, plus 20. (For example, 2260-7352-3 is the routing number for Grand Adirondack Federal Credit Union in New York, with the initial "22" corresponding to "02" (New York Fed) plus "20" (thrift).)
* 61 through 72 are special purpose routing numbers designated for use by non-bank payment processors and clearinghouses and are termed Electronic Transaction Identifiers (ETIs), and correspond to the normal routing number, plus 60.
* 80 is used for [[traveler's cheque]]s
 
The first two digits correspond to the 12 [[Federal Reserve Bank]]s as follows:
 
<table class="wikitable" >
  <tr><th>Primary<br>(01–12)
      <th>Thrift<br/>(+20)
      <th>Electronic<br/>(+60)
      <th>Federal Reserve Bank
 
  <tr><td>01
      <td>21
      <td>61
      <td>[[Federal Reserve Bank of Boston|Boston]]
 
  <tr><td>02
      <td>22
      <td>62
      <td>[[Federal Reserve Bank of New York|New York]]
 
  <tr><td>03
      <td>23
      <td>63
      <td>[[Federal Reserve Bank of Philadelphia|Philadelphia]]
 
  <tr><td>04
      <td>24
      <td>64
      <td>[[Federal Reserve Bank of Cleveland|Cleveland]]
 
  <tr><td>05
      <td>25
      <td>65
      <td>[[Federal Reserve Bank of Richmond|Richmond]]
 
  <tr><td>06
      <td>26
      <td>66
      <td>[[Federal Reserve Bank of Atlanta|Atlanta]]
 
  <tr><td>07
      <td>27
      <td>67
      <td>[[Federal Reserve Bank of Chicago|Chicago]]
 
  <tr><td>08
      <td>28
      <td>68
      <td>[[Federal Reserve Bank of St Louis|St. Louis]]
 
  <tr><td>09
      <td>29
      <td>69
      <td>[[Federal Reserve Bank of Minneapolis|Minneapolis]]
 
  <tr><td>10
      <td>30
      <td>70
      <td>[[Federal Reserve Bank of Kansas City|Kansas City]]
 
  <tr><td>11
      <td>31
      <td>71
      <td>[[Federal Reserve Bank of Dallas|Dallas]]
 
  <tr><td>12
      <td>32
      <td>72
      <td>[[Federal Reserve Bank of San Francisco|San Francisco]]
</table>
 
====Third and fourth digits====
The third digit corresponds to the Federal Reserve check processing center originally assigned to the bank,<ref name="bur05" /> while the fourth digit is "0" if the bank is located in the Federal Reserve city proper, and otherwise is 1–9, according to which state in the Federal Reserve district it is.<ref name="bur05" />
 
===Check digit===
The [[check digit]] provides a [[checksum]] test using a position-weighted sum of each of the digits. High-speed check-sorting equipment will typically verify the checksum and if it fails, route the item to a reject pocket for manual examination, repair, and re-sorting. Mis-routings to an incorrect bank are thus greatly reduced.
 
The following condition must hold:<ref name="bo04" />
:: <math>3 (d_1 + d_4 + d_7) + 7 (d_2 + d_5 + d_8) + (d_3 + d_6 + d_9) \mod 10 = 0.\,</math>
: ([[Modulo operation|Mod]] or modulo is the remainder of a division operation.)
In terms of weights, this is 371 371 371. This allows one to catch any single-digit error (incorrectly inputting one digit), together with most transposition errors. 1, 3, and 7 are used because they (together with 9) are [[coprime]] to 10; using a coefficient that is divisible by 2 or 5 would lose information (because <math>5 \cdot 0 = 5 \cdot 2 = 5 \cdot 4 = 5 \cdot 6 = 5 \cdot 8 = 0 \mod 10</math>), and thus would not catch some substitution errors. These do not catch transpositions of two digits that differ by 5 (0 and 5, 1 and 6, 2 and 7, 3 and 8, 4 and 9), but captures other transposition errors.{{cn|date=April 2013}}
 
As an example, consider 111000025 (which is a valid routing number of [[Bank of America]] in [[Virginia]]). Applying the formula, we get:
 
: <math>3 (1+0+0) + 7 (1+0+2) + (1+0+5) \mod 10  = 0.\,</math>
 
The following formula can be used to generate the ninth digit in the checksum:
 
: <math>d_9 = 7 (d_1 + d_4 + d_7) + 3 (d_2 + d_5 + d_8) + 9 (d_3 + d_6) \mod 10.\,</math>
This is just moving all terms other than <math>d_9</math> to the right hand side of the equation, which inverts the coefficients with respect to 10 (<math>3 \mapsto (10-3) = 7; 7 \mapsto (10-7) = 3; 1 \mapsto (10-1) = 9</math>).
 
Following the above example for the Bank of America routing number 111000025,
 
: <math>7 (1+0+0) + 3 (1+0+2) + 9 (1+0) = 25 \mod 10 = 5.\,</math>
 
This checksum is very easy to represent in computer programming languages.  The following [[Python (programming language)|Python]] example will print "True" when the checksum is valid:
<source lang="python">
d = "111000025"
d = [int(c) for c in d]
checksum = ( # do the math!
            7 * (d[0] + d[3] + d[6]) +
            3 * (d[1] + d[4] + d[7]) +
            9 * (d[2] + d[5])
          ) % 10
print(d[8] == checksum)
</source>
 
===Routing symbol===
The symbol that delimits a routing transit number is the [[MICR]] [[E-13B]] transit character (Unicode value U+2446): ⑆
 
If your computer cannot display this character, it may be seen [http://www.decodeunicode.org/en/u+2446 here].
 
==Fraction form==
The fraction form looks like a [[fraction (mathematics)|fraction]], with a [[numerator]] and a [[denominator]].
 
The numerator consists of two parts separated by a dash. The prefix (no longer used in check processing, yet still printed on most checks) is a 1 or 2 digit code (P or PP) indicating the region where the bank is located. The numbers 1 to 49 are cities, assigned by size of the cities in 1910. The numbers 50 to 99 are states, assigned in a rough spatial geographic order, and are used for banks located outside one of the 49 numbered cities.
 
The second part of the numerator (after the dash) is the bank's ABA Institution Identifier, which also forms digits 5 to 8 of the nine digit routing number (YYYY).
 
The denominator is also part of the routing number; by adding leading zeroes to make up four digits where necessary (e.g. 212 is written as 0212, 31 is written as 0031, etc.), it forms the first four digits of the routing number (XXXX).
 
There might also be a fourth element printed to the right of the fraction: this is the bank's branch number. It is not included in the MICR line. It would only be used internally by the bank, e.g. to show where the signature card is located, where to contact the responsible officer in case of an overdraft, etc.
 
For example, a check from Wachovia Bank in Yardley, PA, has a fraction of 55-2/212 and a routing number of 021200025. The prefix (55) no longer has any relevance, but from the remainder of the fraction, the first 8 digits of the routing number (02120002) can be determined, and the check digit (the last digit, 5 in this example) can be calculated by using the [[#Internal checksums|check digit formula]] (thus giving 021200025).
 
===ABA Prefix Table===
This table is up to date as of 2009. One weakness of the current routing table arrangement is that Alaska, American Samoa, Guam, Hawaii, Puerto Rico and the US Virgin Islands share the same routing code.
 
{| class="wikitable"
|-
! prefix
! location
|-
| 1
| New York, NY
|-
| 2
| Chicago, IL
|-
| 3
| Philadelphia, PA
|-
| 4
| St. Louis, MO
|-
| 5
| Boston, MA
|-
| 6
| Cleveland, OH
|-
| 7
| Baltimore, MD
|-
| 8
| Pittsburgh, PA
|-
| 9
| Detroit, MI
|-
| 10
| Buffalo, NY
|-
| 11
| San Francisco, CA
|-
| 12
| Milwaukee, WI
|-
| 13
| Cincinnati, OH
|-
| 14
| New Orleans, LA
|-
| 15
| Washington D.C.
|-
| 16
| Los Angeles, CA
|-
| 17
|  Minneapolis, MN
|-
| 18
| Kansas City, MO
|-
| 19
| Seattle, WA
|-
| 20
| Indianapolis, IN
|-
| 21
| Louisville, KY
|-
| 22
| St. Paul, MN
|-
| 23
| Denver, CO
|-
| 24
| Portland, OR
|-
| 25
| Columbus, OH
|-
| 26
| Memphis, TN
|-
| 27
| Omaha, NE
|-
| 28
| Spokane, WA
|-
| 29
| Albany, NY
|-
| 30
| San Antonio, TX
|-
| 31
| Salt Lake City, UT
|-
| 32
| Dallas, TX
|-
| 33
| Des Moines, IA
|-
| 34
| Tacoma, WA
|-
| 35
| Houston, TX
|-
| 36
| St. Joseph, MO
|-
| 37
| Fort Worth, TX
|-
| 38
| Savannah, GA
|-
| 39
| Oklahoma City, OK
|-
| 40
| Wichita, KS
|-
| 41
| Sioux City, IA
|-
| 42
| Pueblo, CO
|-
| 43
| Lincoln, NE
|-
| 44
| Topeka, KS
|-
| 45
| Dubuque, IA
|-
| 46
| Galveston, TX
|-
| 47
| Cedar Rapids, IA
|-
| 48
| Waco, TX
|-
| 49
| Muskogee, OK
|-
| 50
| New York
|-
| 51
| Connecticut
|-
| 52
| Maine
|-
| 53
| Massachusetts
|-
| 54
| New Hampshire
|-
| 55
| New Jersey
|-
| 56
| Ohio
|-
| 57
| Rhode Island
|-
| 58
| Vermont
|-
| 59
| Alaska, American Samoa, Guam, Hawaii, Puerto Rico, Virgin Islands
|-
| 60
| Pennsylvania
|-
| 61
| Alabama
|-
| 62
| Delaware
|-
| 63
| Florida
|-
| 64
| Georgia
|-
| 65
| Maryland
|-
| 66
| North Carolina
|-
| 67
| South Carolina
|-
| 68
| Virginia
|-
| 69
| West Virginia
|-
| 70
| Illinois
|-
| 71
| Indiana
|-
| 72
| Iowa
|-
| 73
| Kentucky
|-
| 74
| Michigan
|-
| 75
| Minnesota
|-
| 76
| Nebraska
|-
| 77
| North Dakota
|-
| 78
| South Dakota
|-
| 79
| Wisconsin
|-
| 80
| Missouri
|-
| 81
| Arkansas
|-
| 82
| Colorado
|-
| 83
| Kansas
|-
| 84
| Louisiana
|-
| 85
| Mississippi
|-
| 86
| Oklahoma
|-
| 87
| Tennessee
|-
| 88
| Texas
|-
| 90
| California
|-
| 91
| Arizona
|-
| 92
| Idaho
|-
| 93
| Montana
|-
| 94
| Nevada
|-
| 95
| New Mexico
|-
| 96
| Oregon
|-
| 97
| Utah
|-
| 98
| Washington
|-
| 99
| Wyoming
|-
| 101
| Assigned
|}
 
==Canadian transit number==
Canadian transit numbers are regulated by the [[Canadian payments association|Canadian Payments Association]]. A number has the following form:
: XXXXX-YYY
where XXXXX is a Branch Number, and YYY is an Institution Number. The dash between the branch number and the institution number is an integral part of the transit number. This format is only valid for paper-type transactions such as cheques. For Electronic Fund Transactions (EFT) the current format is a leading zero, the institution number, then the branch number all with no dashes. For example if a cheque reads XXXXX-YYY, the corresponding EFT code would be 0YYYXXXXX.
 
As a general rule, [[Bank]] institution numbers start with 0, 2, 3, or 6, [[Credit Union|Credit Union and Caisse Populaire]] institution numbers start with 8, and [[Trust company|Trust Company]] institution numbers with 5.
 
Examples:
* XXXXX-001 [[Bank of Montreal]]
* XXXXX-002 [[Bank of Nova Scotia]]
* XXXXX-003 [[Royal Bank of Canada]]
* XXXXX-004 [[Toronto-Dominion Bank]] (which is the legal name for the bank, although it operates as [[TD Canada Trust]])
* XXXXX-006 [[National Bank of Canada]]
* XXXXX-010 [[Canadian Imperial Bank of Commerce]] (includes President's Choice Financial)
* XXXXX-016 [[HSBC Canada]]
* XXXXX-030 [[Canadian Western Bank]]
* XXXXX-039 [[Laurentian Bank of Canada]]
* XXXXX-117 [[Government of Canada]] ('''Not listed as a member of the Canadian Payments Association''')
* XXXXX-127 [[Canada Post]] (money orders)
* XXXXX-177 [[Bank of Canada]] (Canadian [[central bank]])
* XXXXX-219 [[ATB Financial]]
* XXXXX-241 [[Bank of America]] Canada
* XXXXX-245 [[The Bank of Tokyo-Mitsubishi UFJ]] (Canada)
* XXXXX-250 [[BNP Paribas]] (Canada)
* XXXXX-260 [[Citibank]] Canada
* XXXXX-269 [[Mega International Commercial Bank]] Canada
* XXXXX-270 [[JPMorgan Chase]] Bank, N.A. (Toronto Branch)
* XXXXX-275 [[Korea Exchange Bank]] of Canada
* XXXXX-290 [[UBS Bank]] (Canada)
* XXXXX-294 [[State Bank of India]] (Canada)
* XXXXX-307 [[Industrial and Commercial Bank of China (Canada)]]
* XXXXX-308 [[Bank of China]] (Canada)
* XXXXX-309 [[Citizens Bank of Canada]] (Canada)
* XXXXX-315 [[CTC Bank of Canada]]
* XXXXX-332 [[First Commercial Bank]]
* XXXXX-326 [[President's Choice Financial]] (no longer assigned, now shares XXXXX-010 code with CIBC. Specifically, 30800-010, as there is only one PCF branch.)
* XXXXX-338 [[Canadian Tire Bank]]
* XXXXX-340 [[ICICI Bank]] Canada
* XXXXX-509 [[Canada Trust]] (prior to the merger of TD & Canada Trust)
* XXXXX-540 [[Manulife Financial|Manulife Bank]]
* XXXXX-614 [[ING Direct Canada]]
* XXXXX-809 [Central 1 [Credit Union] - BC Region]
* XXXXX-815 [[Desjardins Group|Caisses Desjardins du Québec]]
* XXXXX-819 [[Desjardins Group|Caisses populaires Desjardins du Manitoba]]
* XXXXX-828 [Central 1 [Credit Union] - ON Region]
* XXXXX-829 [[Desjardins Group|Caisses populaires Desjardins de l'Ontario]]
* XXXXX-837 [[Meridian Credit Union]] (formerly Hepco)
* XXXXX-839 [[Credit Union]] Heritage (Nova Scotia)
* XXXXX-865 [[Desjardins Group|Caisses populaires Desjardins acadiennes]]
* XXXXX-879 [[Credit Union]] Central of Manitoba
* XXXXX-889 [[Credit Union]] Central of Saskatchewan
* XXXXX-899 [[Credit Union]] Central Alberta
* XXXXX-900 ?
 
In a Canadian bank transit number, the last digit of the branch number, with few exceptions, indicates the geographical location of the branch.
 
Branch numbers ending with:
 
* 0 are located in [[British Columbia]] and [[Yukon]]
* 1 are located in Western [[Québec]] including [[Montreal]] and surrounding areas
* 2 are located in [[Ontario]] including [[Toronto]] and surrounding area
* 3 are located in [[Nova Scotia]], [[Prince Edward Island]] and [[Newfoundland (island)|Newfoundland]] excluding [[Labrador]]
* 4 are located in [[New Brunswick]]
* 5 are located in Eastern [[Québec]] including [[Labrador]]
* 6 are located in [[Eastern Ontario]] including [[Ottawa]] and surrounding area
* 7 are located in [[Manitoba]] and North-Western [[Ontario]]
* 8 are located in [[Saskatchewan]]
* 9 are located in [[Alberta]], the [[Northwest Territories]] and [[Nunavut]]
 
For example, the number 5887'''6'''-004 indicates that the associated account is held at an Eastern Ontario branch of The Toronto-Dominion Bank (5887'''6''' is the transit number, 5887 is the branch number and 004 is the institution number).
 
The [[Canadian Payments Association]] maintains the Financial Institutions File (FIF) as well as the Financial Institutions Branch Directory (FIBD). The FIF and the FIBD identify routing numbers and addresses for branches of all Canadian financial institutions (whether they have a physical location or a virtual location).
 
The FIF, which is updated weekly, is a fee-based subscription service that enables its subscribers to validate routing information and to upload the information in a variety of business applications. More details, including available formats and pricing can be found here: [http://www.cdnpay.ca/imis15/eng/Clearing_Settlement/Financial_Institutions_File/eng/sys/Financial_Institutions_File.aspx cdnpay.ca]
 
The Financial Institutions Branch Directory, also updated weekly, contains the same information found in the FIF and is available free of charge. It is recommended for occasional reference as it cannot be uploaded into business applications and doesn't offer the same validation features as the FIF. The FIBD is accessible at [http://www.cdnpay.ca/imis15/eng/Clearing_Settlement/Financial_Institutions_Branch_Directory/eng/sys/Financial_Institutions_Branch_Directory.aspx cdnpay.ca].
 
==See also==
General Category
* [[Bank code]] discusses formats used by other countries and regions.
* [[Sort code]], used by British banks
* [[International Bank Account Number]]
* [[ISO 9362]], the SWIFT/BIC code standard
* [[Bank State Branch]], or BSB code used for Australian banks
 
Canada has similar but different transaction routing structures
* [[Large Value Transfer System]] (Canada)
* [[Interac]]
 
==References==
<references/>
{{refbegin}}
* {{Citation
| ref = {{harvid|Bankers' Hotline|2004}}
| title = Training Page: Learning the Bank Numbering System
| accessdate = 2010-04-08
| url = http://www.bankersonline.com/articles/bhv14n01/bhv14n01a9.html
| journal = Bankers' Hotline
| volume = 14
| number = [http://www.bankersonline.com/bin/bharchive/bhcurrent0304.html 1]
| month = March
| year = 2004
}}
* {{Citation
| title = Bank Routing Number
| first = John | last = Burnett
| date = March 21, 2005
| accessdate = 2010-04-08
| publisher = BankersOnline
| url = http://www.bankersonline.com/operations/guru2005/gurus_op032105j.html
}}
{{refend}}
 
==External links==
* [http://www.accuitysolutions.com/text/aba_policy.pdf Official ABA Routing Number Policy] ([[PDF File]])
* [http://www.federalreserve.gov/otherfrb.htm  Federal Reserve Districts]
* [http://www.fedwiredirectory.frb.org/search.cfm Find banks' ABA numbers or which bank owns a given ABA number] - limited to Fedwire participants.
* [http://www.aba.com/Products/PS98_Routing.htm American Bankers Association page on ABA routing numbers] - information on how to obtain a routing number (assuming you are a bank) and a reference to [http://www.AccuitySolutions.com AccuitySolutions.com] for their list of ABA numbers which costs several hundred dollars.
* [http://www.fededirectory.frb.org/download.cfm Federal Reserve E-Payments Routing Directory] - downloadable lists of Fedwire and FedACH participants.  They include routing numbers, street addresses and phone numbers.
 
[[Category:Banking terms]]
[[Category:Banking in Canada]]
[[Category:Banking in the United States]]
[[Category:Interbank networks]]
[[Category:Bank identifier codes]]

Revision as of 02:00, 12 February 2014

Over time, the data on your hard drive gets scattered. Defragmenting a difficult drive puts a data into sequential order, creating it easier for Windows to access it. As a outcome, the performance of your computer may better. An excellent registry cleaner allows work this task. But should you would like to defrag a PC with Windows software. Here a link to show you how.

Another solution would be to offer the computer system with a unique msvcr71 file. Often, once the file has been corrupted or damaged, it may no longer be able to function like it did before thus it's only all-natural to substitute the file. Simply download another msvcr71.dll file within the web. Frequently, the file might come in a zip formatting. Extract the files within the zip folder plus region them accordingly inside this location: C:\Windows\System32. Afterward, re-register the file. Click Start and then choose Run. Once the Run window appears, type "cmd". Press Enter and then sort "regsvr32 -u msvcr71.dll" followed by "regsvr32 msvcr71.dll". Press Enter again and the file should be registered accordingly.

So, this advanced double scan is not merely among the greater, however, it is moreover freeware. And as of all this which many respect CCleaner 1 of the better registry products inside the marketplace now. I would add which I personally choose Regcure for the simple reason which it has a greater interface and I understand for a truth which it is ad-ware without charge.

It is general which the imm32.dll error is caused as a result of a mis-deletion activity. If you cannot find the imm32.dll anywhere on a computer, there is no question that it should be mis-deleted whenever uninstalling programs or other unneeded files. Hence, we can directly cope it from alternative programs or download it from a safe internet plus then place it on a computer.

The 2nd step to fixing these mistakes is to utilize a system called a "tuneup utilities" to scan by your computer and fix some of the registry mistakes which can additionally be leading to this error. A registry cleaner is a software program which will scan from your computer and repair some of the difficulties which Windows has inside, permitting a computer to "remember" all of the settings it has when it loads up. Although the registry is continually being selected to help load up a large number of programs on your PC, it's continually being saved incorrectly - leading to a big amount of errors to be formed. To fix this issue, it's recommended you download a registry cleaner within the Internet and install it on your Pc, permitting Windows to run smoother again.

The software finds these difficulties and takes care of them in the shortest time possible. Your difficult drive would also cause difficulties at times, incredibly should you have one that is virtually maxed. When a begin your machine, the are so many booting processes included plus having an almost full storage space does not assist a bit. You will constantly have a slow PC because there are a lot of items in the difficult disk being processed simultaneously. The best way to resolve this problem is to upgrade. This allows a PC some time to breath plus working faster instantaneously.

By restoring the state of the system to an earlier date, error 1721 will not appear inside Windows 7, Vista plus XP. There is a tool called System Restore which you have to utilize inside this process.

By changing the way we use the internet you are able to have access more of the valuable bandwidth. This will ultimately provide we a faster surfing experience. Here is a link to 3 methods to customize a PC speed found on the net.

Retrieved from "https://en.formulasearchengine.com/index.php?title=Fisher_information&oldid=232545"