Banking Utilities

Routing Number
Lookup API

Validate routing numbers and retrieve detailed bank information in real-time. Get ACH eligibility, bank details, and address information with a single API call.

Simple integration

Request
POST
POST
/utilities/banking/bank-lookup
Authorization: {api_key}
{
routing_number: 031302971
}
Response
200 OK
{
status: success,
routing_number_valid: true,
routing_number_info: {
routing_number: 031302971,
bank_name: Customers Bank,
is_active: Active,
can_ach: true,
address: {
city: Malvern,
state: PA
}
}
}

What you get

Instant Validation

Verify routing numbers in real-time and confirm ACH eligibility before processing transactions.

Complete Bank Details

Access comprehensive bank information including name, address, contact details, and active status.

Always Up-to-Date

Our database is continuously updated with the latest routing number information from the Federal Reserve.

Simple Integration

Single REST endpoint with straightforward JSON response. Start validating routing numbers in minutes.

Built for fintech

Payment Processing

Validate routing numbers before initiating ACH transfers to reduce failed transactions and improve user experience.

Account Verification

Confirm bank details during account linking flows to ensure accurate payment information.

Fraud Prevention

Cross-reference routing numbers with expected bank information to detect fraudulent accounts.

User Onboarding

Auto-populate bank information during signup to streamline the onboarding process.

Simple pricing

Included with all Stack plans. No per-request fees or hidden costs.

$99/month

Access to all APIs including payments, banking utilities, and compliance tools

Get Started

Ready to start building?

Get your API key and start validating routing numbers in minutes.