Canadian Bank Institution Numbers – What You Need To Know

When you are expecting money through a bank wire or direct deposit, the sender requests your transit number, financial institution number, and bank account number.

These are the same numbers printed at the bottom of a typical Canadian cheque.

The bank institution number in Canada is a three-digit number that identifies the financial institution (i.e. bank, trust company, or credit union). This number does not change.

A transit number is a five-digit number that’s also referred to as a “branch number”. It identifies your specific bank branch.

Your bank account number is a 7-12 digit number and it is unique to you.

A routing number is a combination of the financial institution number and the transit number. It is 8-9 digits long and may be preceded with a “0”.

For example, if the routing number for your bank account is 084245678, the institution number is 842 and the transit/branch number is 45678.

Related: Free Credit Scores in Canada.

cibc cheque sample

Using the sample CIBC cheque above, “1” is the transit number, “2” is the institution number, and “3” is the account number.

List of Canadian Bank Institution Numbers

The institution numbers for the five big banks are:

  • Bank of Montreal (BMO): 001
  • The Bank of Nova Scotia (Scotiabank): 002
  • Royal Bank of Canada (RBC): 003
  • Toronto-Dominion Bank (TD): 004
  • Canadian Imperial Bank of Commerce (CIBC): 010

For other banks, trust and loan companies, credit unions and Caisse Populaires, the institution numbers can be found below in alphabetical order:

Airline Financial Credit Union Limited830
ATB Financial219
All Trans Financial Services Credit Union Limited810
Alterna Savings and Credit Union842
Amex Bank of Canada303
Atlantic Central839
B2B Bank 618
Bank of America, National Association241
Bank of Canada177
Bank of China (Canada)308
Bank of Tokyo-Mitsubishi UFJ (Canada)245
Bank West342
Barclay’s Bank PLC, Canada Branch360
BNP Paribas 250
Bridgewater Bank347
La Caisse Centrale Desjardins Du Québec815
Caisse populaire Alliance Limitée890
Canadian Tire Bank338
Canadian Western Bank030
Capital One Bank (Canada Branch)323
Central 1 Credit Union British Columbia809
Central 1 Credit Union Ontario828
CIBC Trust Corporation548
Citibank Canada260
Citibank N.A.328
Citizens Bank of Canada309
Coast Capital Savings Federal Credit Union382
Comerica Bank330
Communication Technologies Credit Union Limited807
Community Trust Company507
Concentra Financial Services Association853
Credit Union Central Alberta Limited899
Credit Union Central of Manitoba Limited879
Credit Union Central of Saskatchewan889
CS Alterna Bank608
CTBC Bank of Canada315
Deutsche Bank AG265
DirectCash Bank352
Dundalk District Credit Union Limited828
Effort Trust Company532
Edward Jones701
Fifth Third Bank, National Association345
First Commercial Bank332
First Nations Bank of Canada310
Caisse populaire acadienne ltée (NB)865
La FéCaisse Desjardins Ontario Credit Union Inc.829
Caisse Populaire Group Financier Ltée (MB)819
General Bank of Canada344
Golden Horseshoe Credit Union Limited854
Habib Canadian Bank321
Haventree Bank381
HomeEquity Bank358
Home Trust Company627
HSBC Bank Canada016
HSBC Mortgage Corporation (Canada)604
ICICI Bank Canada340
Industrial Alliance Trust Inc.625
Industrial and Commercial Bank of China (Canada)307
Investors Group Trust Co. Ltd.536
J.P. Morgan Bank Canada314
JPMorgan Chase Bank National Association270
Korea Exchange Bank of Canada275
Laurentian Bank of Canada039
Laurentian Trust of Canada Inc.522
M&T Bank357
Manulife Bank of Canada540
Manulife Trust Company626
Mega International Commercial Bank (Canada)269
Meridian Credit Union837
Mizuho Corporate Bank Ltd. Canada Branch277
Montreal Trust Company of Canada550
Motus Bank374
National Bank of Canada006
National Trust Company590
Ontario Civil Service Credit Union Limited846
Peace Hills Trust Company568
Peoples Trust Company621
President’s Choice Bank320
Rabobank Nederland322
Royal Bank Mortgage Corporation592
Royal Bank of Canada003
Royal Trust Corporation of Canada580
SBI Canada Bank294
Scotia Mortgage Corporation606
Shinhan Bank Canada355
Société Générale (Canada Branch)292
Société Générale (Canada Branch) Ontario346
State Street327
Sumitomo Mitsui Banking Corporation of Canada301
Sun Life Financial Trust Inc.551
Tangerine Bank614
TD Mortgage Corporation597
TD Pacific Mortgage Corporation603
The Bank of New York Mellon242
The Bank of Nova Scotia002
The Canada Trust Company509
The Equitable Trust Company623
The Northern Trust Company Canada Branch349
The Toronto-Dominion Bank004
U.S. Bank National Association318
UBS AG Canada Branch339
UBS Bank (Canada)290
United Overseas Bank Limited335
Vancity Community Investment Bank309
VersaBank334
Wealth One Bank of Canada370
Wells Fargo Bank, National Association, Canadian Branch362

For more details about each financial institution’s details including their routing number and branch addresses, you can check the list maintained by Payments Canada.

If you don’t have a cheque and are not sure about what your transit and account numbers are, you can log in to your online banking to find it.

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