Bank Code Verified

113104880, Routing Number for FIRST NATIONAL BANK, EAGLE LAKE, TX

Routing Number: 113104880

Date of Revision: 051007




State: TX

Zip: 77434-0247

Phone: (979) 234-5591

Understanding Routing Numbers and Their Significance in Banking Transactions

In the world of banking, routing numbers play a crucial role in ensuring that transactions run smoothly and securely. These unique numbers, assigned to each financial institution, serve as a means of identification and help route funds efficiently from one account to another.

Whether you’re setting up direct deposit, initiating a wire transfer, or simply writing a check, understanding routing numbers is essential. In this article, we will delve into the intricacies of routing numbers and explore their significance in banking transactions.

What is a Routing Number? A routing number, also known as an American Bankers Association (ABA) number, is a nine-digit code that identifies a financial institution in the United States.

It serves as a unique identifier for banks, credit unions, and other financial institutions, allowing them to send and receive funds electronically. Routing numbers were introduced in 1911 by the American Bankers Association to facilitate check processing and reduce errors during manual sorting.

Over the years, their importance has grown as electronic transactions have become more prevalent.

Structure of a Routing Number

A routing number consists of three parts: the prefix, the institution identifier, and the check digit. Let’s break down these components to better understand how they work.

1. Prefix: The first four digits of the routing number represent the Federal Reserve routing symbol.

This symbol indicates which Federal Reserve Bank controls the routing number and provides clearing house services for the financial institution. 2.

Institution Identifier: The next four digits uniquely identify the financial institution. Each bank or credit union has its own unique identifier, allowing the Federal Reserve Bank to route funds accurately.

3. Check Digit: The ninth and final digit is a validation code.

It is derived using a mathematical formula to ensure the accuracy of the routing number. This digit acts as a checksum, enabling verification that the routing number is valid.

Significance of Routing Numbers

Routing numbers are crucial for various types of banking transactions. Here are a few examples of how routing numbers are used:


Check Processing: When you write a check, the routing number is necessary to ensure that the funds are withdrawn from the correct account. It also helps the bank identify the financial institution to which the funds must be directed.

The routing number is typically printed on the bottom left corner of a check. 2.

Direct Deposit: Many employers offer direct deposit as a convenient way to pay employees’ salaries. To set up direct deposit, you need to provide your employer with your bank’s routing number along with your account number.

This ensures that your salary is credited to the correct account. 3.

Wire Transfers: Routing numbers are essential for wire transfers, which enable the movement of funds between different financial institutions. Individuals and businesses use wire transfers for large, time-sensitive transactions.

The sender needs the recipient’s routing number to initiate the transfer and ensure that the funds reach the intended account. 4.

Automated Clearing House (ACH) Payments: ACH payments allow businesses and individuals to make electronic payments, such as utility bills and mortgage payments. These transactions require the sender’s bank to have the correct routing number of the recipient’s bank.

The routing number ensures that the payment is processed accurately and reaches the intended recipient.


Now that we have examined the importance of routing numbers, let’s take a brief journey into the history of FIRST NATIONAL BANK. This esteemed institution, located at 100 Commerce Street in Eagle Lake, Texas, has a rich and storied past.

Founded in 1900, FIRST NATIONAL BANK has been serving the community of Eagle Lake for over a century. It began as a small local bank, catering primarily to farmers and merchants in the area.

With its commitment to exceptional customer service and financial expertise, the bank quickly gained the trust and loyalty of its clients. Over the years, FIRST NATIONAL BANK has grown and expanded its offerings to meet the evolving needs of its customers.

It became a pioneer in embracing technological advancements, introducing online banking and mobile banking services well before many other financial institutions. Despite its growth, FIRST NATIONAL BANK has always stayed true to its roots, maintaining a strong focus on personalized service and community involvement.

The bank has actively supported local events, charities, and organizations, contributing to the overall well-being of the Eagle Lake community. Today, FIRST NATIONAL BANK stands as a pillar of stability and reliability for its customers.

It continues to adapt and innovate, leveraging cutting-edge technology to deliver convenient and secure banking solutions. With its knowledgeable and friendly staff, FIRST NATIONAL BANK remains committed to providing exceptional financial services to individuals and businesses in the Eagle Lake area.


Routing numbers are indeed the unsung heroes of the banking world. They enable smooth and efficient transactions, ensuring that funds reach the intended recipients accurately and securely.

Understanding the significance of routing numbers empowers individuals to manage their finances effectively and utilize various banking services without any confusion. Moreover, gaining insights into the history of esteemed institutions like FIRST NATIONAL BANK allows us to appreciate their contributions to the communities they serve.

So, the next time you need to perform a banking transaction, remember the nine-digit routing number that makes it all possible. Topic 3: Key Functions of Routing Numbers

Routing numbers serve several key functions in the world of banking.

Understanding these functions can help individuals make the most of their banking transactions and ensure that funds are routed efficiently. Let’s explore some of the key functions of routing numbers:


Identification of Financial Institutions: One of the primary functions of routing numbers is to identify specific financial institutions. Each routing number is unique to a particular institution, such as a bank or credit union.

This identification allows banks to send and receive funds accurately, eliminating the risk of funds being transferred to the wrong institution. 2.

Check Processing: In the age of electronic transactions, checks may seem outdated. However, they still play a significant role in certain situations.

When a check is written, the routing number plays a critical role in the processing of the funds. The routing number helps determine the financial institution from which the funds will be withdrawn, ensuring that the check is properly processed and funds are transferred to the correct account.

3. Direct Deposit: Many individuals opt for the convenience of direct deposit for their paychecks.

When setting up direct deposit, individuals provide their employer with their bank’s routing number. This allows the employer to send funds directly to the employee’s account.

The routing number ensures that the funds are routed accurately to the correct financial institution and account for timely deposit. 4.

Wire Transfers: Wire transfers are commonly used for large and time-sensitive transactions. In such transfers, the routing number is essential to ensure that funds are transferred to the intended account accurately and efficiently.

The sender needs the recipient’s routing number to initiate the transfer, facilitating the movement of funds securely between different financial institutions. 5.

Automated Clearing House (ACH) Transactions: ACH transactions have become increasingly popular for various types of payments, such as bills, loans, and subscriptions. These transactions rely on the routing numbers of both the sender and the recipient’s financial institutions.

The routing number enables the smooth processing of ACH payments, ensuring that the funds are transferred securely and efficiently. 6.

Online and Mobile Banking: Routing numbers also play a critical role in online and mobile banking. When individuals set up online or mobile banking services, they often need to link their accounts to their respective financial institutions.

This process requires entering the routing number to establish the connection between the account and the institution. Once the account is linked, individuals can conveniently access and manage their finances through online or mobile platforms.

Topic 4: The Role of Routing Numbers in Bank Transactions

Bank transactions are an integral part of our day-to-day financial activities. Whether it’s depositing a paycheck, transferring funds between accounts, or paying bills, routing numbers play a vital role in ensuring that these transactions occur smoothly and accurately.

Let’s explore the specific ways in which routing numbers contribute to various bank transactions:

1. Account Verification: When initiating a bank transaction, such as a wire transfer or direct deposit, the routing number is used to verify the authenticity of the recipient’s account.

By including the correct routing number, the sender confirms that the account they are transferring funds to belongs to the intended recipient and financial institution. 2.

Funds Routing: As the name suggests, routing numbers play a crucial role in routing funds to their intended destinations. When making a transaction, whether it’s a deposit, withdrawal, or transfer, the routing number directs the funds accurately to the financial institution associated with the recipient’s account.

Without routing numbers, banks would struggle to identify the correct destination for funds, leading to delays and potential errors in transactions. 3.

Transaction Tracking: Routing numbers also enable efficient tracking of transactions. Financial institutions use routing numbers to trace the movement of funds, ensuring transparency and accountability throughout the transaction process.

This allows individuals and businesses to monitor the progress of their transactions and provides reassurance that funds are being processed correctly. 4.

Account Verification for Bill Payments: When paying bills through automated systems or online platforms, individuals need to provide their bank’s routing number to verify their account. This ensures that the payment is being withdrawn from the correct account and allows the billing company to receive the funds promptly.

The routing number acts as a crucial piece of information that helps facilitate the smooth transfer of funds for bill payments. 5.

Fraud Prevention: Routing numbers also play a role in preventing fraudulent activities in bank transactions. Financial institutions utilize routing numbers to verify the legitimacy of transactions and identify potential fraud.

By confirming that the routing number matches the intended financial institution, banks can detect and prevent unauthorized transactions, protecting their customers’ funds and personal information. 6.

International Transactions: The use of routing numbers extends beyond domestic transactions. In international banking, routing numbers are used in conjunction with International Bank Account Numbers (IBANs) and Bank Identifier Codes (BICs) to facilitate cross-border transfers.

These combined codes ensure that funds are directed accurately to the recipient’s bank, both domestically and internationally. In conclusion, routing numbers are an essential element of banking transactions, facilitating the smooth, secure, and accurate movement of funds.

Understanding the key functions of routing numbers empowers individuals to navigate their financial transactions effectively, ensuring that funds are routed correctly and transactions are processed efficiently. From check processing to wire transfers and online banking, routing numbers play a fundamental role in connecting financial institutions and customers, enabling seamless financial interactions.

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