What is a routing number?

A routing number (also called an ABA routing number or RTN) is a nine-digit code that identifies a U.S. financial institution. It's used to route ACH transfers, direct deposits, wire transfers, and check payments to the correct bank.

Where do I find my routing number?

Your routing number is printed in the bottom-left corner of every check, listed in your online banking app under account details, and printed on monthly statements. Many banks also use a different routing number for wire transfers — always confirm which one you need.

Is the routing number the same for everyone at the same bank?

Often it varies by the state where you opened your account. Large banks like Chase and Wells Fargo use 30+ different routing numbers across the U.S., while online banks and fintechs typically use one number nationwide.

Can I receive crypto with a routing number?

No. Routing numbers move U.S. dollars between bank accounts. To receive crypto, you need a wallet address. Anytime Capital gives you both an FDIC-insured cash account (with a routing and account number) and a crypto wallet — so you can move money in either form, instantly.

Discover Bank Routing Number

Updated August 2026

Routing number

031100649

Discover Bank is the online-banking division of Discover Financial Services. All customers share routing number 031100649.

Discover Bank wire transfer fees

Type	Fee
Outgoing domestic wire	$30
Incoming wire	Free

Fees subject to change. Confirm the latest schedule on Discover Bank's website before sending.

How to find your Discover Bank routing number

Your routing number is the 9-digit code in the bottom-left of every check. Your account number sits to the right of it.

• Look at the bottom-left of any check from Discover Bank — the 9-digit number on the left.
• Log in to Discover Bank's mobile app or online banking and open the account details screen.
• Check the top of any monthly statement.
• Call Discover Bank customer service — but never share the number plus your full account details with anyone you don't trust.

Tired of waiting on Discover Bank transfers?

Buy crypto with Apple Pay in 60 seconds. FDIC-insured cash account, instant virtual debit card, free to open.

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Frequently asked questions

Related banks and fintechs

Ally Bank

124003116

Marcus by Goldman Sachs

124085244

Capital One

021407912

American Express National Bank

124085066

Move money your way.

One app for cash, crypto, and a free virtual debit card.

Open free account Buy crypto now

Discover Bank Routing Number

Updated August 2026

Routing number

031100649

Discover Bank is the online-banking division of Discover Financial Services. All customers share routing number 031100649.

Discover Bank wire transfer fees

Type	Fee
Outgoing domestic wire	$30
Incoming wire	Free

Fees subject to change. Confirm the latest schedule on Discover Bank's website before sending.

How to find your Discover Bank routing number

Your routing number is the 9-digit code in the bottom-left of every check. Your account number sits to the right of it.

• Look at the bottom-left of any check from Discover Bank — the 9-digit number on the left.
• Log in to Discover Bank's mobile app or online banking and open the account details screen.
• Check the top of any monthly statement.
• Call Discover Bank customer service — but never share the number plus your full account details with anyone you don't trust.

Tired of waiting on Discover Bank transfers?

Buy crypto with Apple Pay in 60 seconds. FDIC-insured cash account, instant virtual debit card, free to open.

Buy crypto with Apple Pay Open a free account

Frequently asked questions

Related banks and fintechs

Ally Bank

124003116

Marcus by Goldman Sachs

124085244

Capital One

021407912

American Express National Bank

124085066

Move money your way.

One app for cash, crypto, and a free virtual debit card.

Open free account Buy crypto now