How do I find my Routing Number and Account Number?

If you are new to bank payments or electronic funds transfers (EFTs) you might be wondering why we ask for a whole bunch of random numbers off your check in order to start processing payments. Trust me, the numbers on your debit card won’t work.

Furthermore, you might not even have a personal check to begin with, and are worried you won’t be able to accept bank payments. I’m here to clear up some of these questions, and shed some light on what all this number mumbo jumbo is all about.

Why We Need The Numbers From Your Check (And What They All Mean)

Every check has two sets of numbers that third-party payment processors use to make sure the right funds go to the right place. In most cases, businesses have checks, but many customers do not. For this reason, I will also give explanation in each section about how you can help your customers find all these numbers alternatively to checks.

Bank Routing Number

This nine digit code is the first sequence of numbers listed at the bottom of your check. This number helps identify the location where your account was opened. Routing numbers are set up by region in the U.S. and help pinpoint where your bank is located. This number is also available on your online banking account information or it can be requested from your bank.

Bank Account Number

This is your personal account number (keep this one safe), it is a (10-12 digit) number unique to your personal account. You can find this number on your check (see diagram above) following your routing number. Alternatively you can find this number on your online banking or on a recent bank statement.

 “I Don’t Have A Void Check”

Ok so maybe you don’t have a checkbook and you are still unfamiliar with online banking. There is still one more way. Most Banks will give you a “Direct Deposit Form” by request, and it will provide your account details in place of a void check. Then you can use the instructions above to identify each required number, or just attach the whole thing if you are filling out a paper form.

One More Thing

Finally I want to let you know that if you haven’t made use of bank payments or electronic funds transfers (EFTs) for your business- you’re probably missing out. If you want to learn more, feel free to schedule a call and one of us from Rotessa would love to talk to you about how online payment collection can make your life easier. Check out this blog here for more details as well.

5 Reasons You Should Be Switching to Bank Payment Collection (Right Now)

Collecting cheques, messing around with cash, getting crushed by huge credit card fees. Uggghhh. ​ Does payment collection really have to be such a pain? Nope.

Should you switch to an easier, less stressful, more affordable way to collect recurring payments? Yep.

1. Bank Payments Are Faster Than Cheques

I’ll level with you – cheques are lame. I’m sorry to say it, but it’s true. They’ve been faithful companions for thousands (actually) of years, so it’s time to give them a break.

Let them retire in peace.

These days, cheques are a pain to deal with. First of all, you have to wait for your customer to give you a cheque. That alone can be a…unique struggle. Your customers are busy people, and they don’t want to make a trip just to drop off a cheque.

So, you end up calling them. And emailing them. And building signal fires that say, “Please drop off your payment”.


It isn’t over once you get your cheque. Even after it’s in your hand, you need to make sure your customer correctly filled it out. Mistakes can be made when writing a cheque, and if there is one…it’s back to your customer for a new one.

Not great.

Now you have the cheque, it’s filled out correctly, all that’s left to do is deposit it at the bank. Simple, right?


I don’t want to be too hard on cheques, but they’re not the easiest payment method anymore.

2. Bank Payments Are Easier Than Cash

Cash suffers from some of the same frustrations as cheques when it comes to bank payments.

As with cheques, you still end up waiting on your customer. And like cash, your customers have busy lives too. It can be easy to forget to drop off a payment on time, which makes life more stressful for you. And just like cheques, it’s not over when you receive the payment.

You still need to take that money to the bank, and who wants to carry stacks of cash with them?

3. Bank Payments Are Cheaper Than Credit Cards

Credit cards. Now that’s a pretty modern method of payment, right? Right! However, it comes at a cost. Credit card payments can be downright expensive to collect. Most processors charge a monthly fee, a per-transaction fee, and then fees up to 2.99% ON TOP of the per-transaction fee and monthly fee. Yikes.

That adds up fast, and takes a huge bite out of your profits.

Not good at all.

By comparison, bank payment processors often charge only a monthly fee. No per-transaction fees, no percentage nonsense, just a monthly fee.

An affordable monthly fee, in most cases.

When you’re looking for a bank payment processor to handle your bank payments, make sure you shop around on price. You’ll find that bank payments are one of the most affordable ways to collect recurring payments.

4. Bank Payments Make Bookkeeping Easy

Some people love accounting and bookkeeping, and some don’t.

Like Hawaiian pizza.

Whether you love bookkeeping or not, reducing your time spent bookkeeping is a good thing. The less time you spend doing your books, the more time you can spend doing other things.

Like growing your business.

Because bank payments are electronic, the payment records you need are just a few clicks away. Instead of wrestling with stacks of paper, everything is handled electronically. Plus, when tax time comes the electronic nature of bank payments makes it easy to get the information you need.

You can forget about wondering if certain customers have already paid for the month. Payments are updated in real-time, so you know the exact state of your customers accounts.

5. Bank Payments Are Made to Make Your Life Easier

Running a business is challenging enough. You don’t need extra stress, especially when it comes to getting paid.

Bank payments are designed to make your life easier.

From signing up your customers, to collecting your payments, everything is a snap. That’s why small businesses are choosing bank payments for their recurring payment collection.

It makes life easy.

Want to learn more about bank payments? Contact us! No sales pitches, we promise.

Take The Pain Out Of Getting Paid

"I often talk to business owners who just want a simple, easy-to-use way to get paid without all the hassle, and without having to pay an arm and a leg to do it."

The Pitfalls Of Checks

Most businesses in Canada and the US still accept checks. I guess people are just stuck in their ways. The idea with checks is that they are free to accept, the person sending the check had to pay for it right? Wrong. This mindset doesn’t take into account the administrative cost associated with dealing with those checks. Some companies are literally accepting hundreds if not thousands of checks per month. Someone has to go through all of those and make sure they’re correct, then they have to manually input them into some sort of database.

Afterwards, someone either has to take all those checks to the bank to get deposited, or e-deposit them one at a time. I’m not even gonna talk about the time wasted following up on bounced or lost checks. For some companies this is nearly a full time job for somebody. Even at minimum wage, that is thousands of dollars a year spent on payment collection.

The Cost Of Cards

Ok so maybe you’re thinking, I don’t use checks, everyone pays me via credit card. This is nearly as bad as checks. Third party processors who facilitate payments through credit cards usually charge 2.9% + $0.30 per transaction. Even on a payment as low as $100, it’s costing you over three dollars per transaction.

There is still a cheaper and easier way.

Payment Paradise

The answer that our founder Greg found all those years ago was the (surprisingly) unknown area of online bank payments, sometimes known as pre-authorized debits or ACH debits. This is a direct debit from your customers bank account into your own. Similar to a check but all done electronically (and way more cost effective).

ACH Debits let you collect recurring payments with ease. All you have to do is create an ACH debit agreement for your customers to sign which gives you permission to take money from their account. In Rotessa when customers do this electronically, their customer profile is created in your client dashboard and the payment is automatically scheduled. All you have to do is wait for the money to come into your account.

It is literally that easy.

Accounts With Rotessa Are Free

You don’t even need to pay to have a Rotessa account, you just pay if you process payments. Unlike other subscription payment structures, you aren’t locked into one price either. You only pay based on the volume of transactions. Most medium to large sized businesses in Rotessa are able to pay as low as $0.25 per transaction.

Companies who use Rotessa have celebrated savings in the thousands. I’ll let you do the math on your business. But don’t take my word for it. Start your free Rotessa account today and start saving money. We’ll even let you process your first 25 transactions for free.