Bank Code Verified

113123654, Routing Number for FIRST NATIONAL BANK, PEARLAND, TX

Routing Number: 113123654

Date of Revision: 051810


Address: 2301 N MAIN


State: TX

Zip: 77581

Phone: (281) 331-3151

Understanding Routing Numbers and Their Significance in Banking TransactionsIn the world of banking, routing numbers play a crucial role in ensuring that transactions are processed smoothly and efficiently. These numbers, also known as ABA routing numbers, are a unique identifier for each financial institution within the United States.

They are used to facilitate the routing of checks and electronic transactions, ensuring that funds are transferred accurately and securely. In this article, we will explore the significance of routing numbers and how they are used in banking transactions.

We will also delve into the history of FIRST NATIONAL BANK, a prominent institution with a rich legacy in the industry. Topic 1: Understanding Routing Numbers


What is a Routing Number? – A routing number is a nine-digit code assigned to financial institutions within the United States.

– It serves as a unique identifier for each institution and allows for the accurate routing of funds during transactions. 2.

Structure of a Routing Number

– The routing number consists of three parts: the first four digits indicate the Federal Reserve Routing Symbol, the next four digits represent the ABA Institution Identifier, and the last digit is the check digit. – For example, in the routing number 113123654, “113” represents the Federal Reserve Routing Symbol, “1236” identifies the ABA Institution, and “5” is the check digit.

3. Importance of Routing Numbers

– Routing numbers are essential for various banking transactions, including direct deposits, wire transfers, electronic payments, and automatic bill payments.

– They ensure that funds are directed to the intended financial institution, avoiding delays and errors in processing. 4.

Finding Your Routing Number

– Routing numbers can be found on a variety of documents, such as checks, deposit slips, and bank statements. – They can also be obtained by contacting your financial institution or accessing their online banking platform.

Topic 2: A Brief History of FIRST NATIONAL BANK

1. Early Beginnings

– FIRST NATIONAL BANK was established in 1871 and has a long-standing history in the banking industry.

– It started as a small community bank, catering to the financial needs of local residents and businesses. 2.

Growth and Expansion

– Over the years, FIRST NATIONAL BANK experienced significant growth and expanded its operations. – It became a trusted institution, known for its commitment to customer service and sound financial practices.

3. Technology and Innovation

– With the advent of technology, FIRST NATIONAL BANK embraced digital banking to meet the evolving needs of its customers.

– It introduced online banking, mobile banking apps, and other innovative solutions to provide convenience and accessibility. 4.

Community Involvement

– FIRST NATIONAL BANK has been actively involved in supporting the local community through various philanthropic initiatives. – It has partnered with charitable organizations, sponsored events, and provided financial literacy programs to empower individuals and businesses.


Routing numbers are an essential component of banking transactions, ensuring that funds are transferred accurately and securely. Understanding the structure and significance of routing numbers can help individuals and businesses navigate the banking system with ease.

Meanwhile, FIRST NATIONAL BANK’s rich history and commitment to customer service make it a trusted institution in the industry. By embracing technology and actively contributing to the community, FIRST NATIONAL BANK has established itself as a leader in the banking sector.

Topic 3: Key Functions of Routing Numbers

Routing numbers serve several key functions in banking transactions, ensuring the smooth and efficient transfer of funds. Let’s explore some of these functions in detail:


Identifying Financial Institutions:

One of the primary functions of routing numbers is to identify specific financial institutions within the United States. Each routing number is unique to a particular institution, allowing for accurate and reliable routing of funds.

This ensures that transactions are directed to the correct bank and branch, minimizing errors and delays. 2.

Facilitating Check Processing:

Routing numbers play a crucial role in the processing of paper checks. When a check is deposited or cashed, the routing number is used to identify the financial institution where the funds are held.

This allows the check to be routed to the correct bank, facilitating the verification and clearing process. Without routing numbers, check processing would be cumbersome and prone to errors.

3. Enabling Direct Deposits and Electronic Payments:

Routing numbers are also essential for direct deposit and electronic payment systems.

Whether it’s a paycheck, a tax refund, or a vendor payment, routing numbers ensure that funds are deposited directly into the right account. When setting up direct deposit or making electronic payments, individuals and businesses need to provide their routing number along with their account number.

This information allows the funds to be routed accurately, expediting the payment process. 4.

Facilitating Wire Transfers:

Wire transfers are a fast and secure method of transferring funds between financial institutions. Routing numbers play a critical role in wire transfers by ensuring that the funds are directed to the correct recipient’s account.

Whether it’s a domestic or international wire transfer, the routing number is used to identify the recipient’s bank and branch, making the transfer swift and accurate. 5.

Enabling Automatic Bill Payments:

Many individuals and businesses set up automatic bill payments to ensure timely payment of recurring expenses, such as utility bills, mortgages, or loan repayments. Routing numbers are necessary to facilitate these automatic payments.

By providing their routing number and account number to service providers, individuals authorize the automatic withdrawal of funds from their bank accounts. Routing numbers ensure that the funds are transferred to the correct institution, enabling seamless bill payment without manual intervention.

Topic 4: The Role of Routing Numbers in Bank Transactions

Routing numbers play a crucial role in various bank transactions, ensuring the accuracy and security of fund transfers. Let’s dive deeper into the role of routing numbers in specific types of transactions:


Domestic and International Wire Transfers:

Routing numbers are indispensable in wire transfers, both domestically and internationally. For domestic wire transfers, the routing number ensures that funds are routed to the correct recipient’s account within the United States.

In international wire transfers, routing numbers are used in conjunction with other codes, such as SWIFT codes or IBAN numbers, to identify the recipient’s bank and facilitate the transfer. 2.

Direct Deposits and Automatic Payments:

Whether it’s an employer depositing paychecks or an individual setting up automatic bill payments, routing numbers are critical in ensuring that funds are deposited or withdrawn accurately. The routing number, along with the account number, allows the funds to be directed to the correct financial institution and account, eliminating potential errors and ensuring timely transactions.

3. Electronic Funds Transfers:

Electronic funds transfers, such as online money transfers or electronic payments, rely on routing numbers to ensure that funds are transferred accurately.

When transferring money electronically, individuals or businesses need to provide the routing number of the recipient’s bank, allowing the funds to be routed correctly. This facilitates secure and efficient transfer of funds, whether it’s for personal transactions or businesses conducting commerce with suppliers or customers.

4. Check Processing and Clearing:

Routing numbers are integral to the processing and clearing of checks.

When someone deposits a check, the routing number on the bottom left corner of the check is used to identify the bank where the funds are held. This information enables the check to be routed to the correct institution for verification and clearing, ensuring that the funds are transferred from the payer’s account to the payee’s account accurately.

5. ACH Transactions:

Automated Clearing House (ACH) transactions are electronic transfers that facilitate various non-cash payments, such as direct deposits, payroll payments, and automated bill payments.

Routing numbers are essential in ACH transactions as they direct funds to the appropriate financial institutions. By using routing numbers for ACH transfers, businesses and individuals can ensure the timely and accurate processing of their financial transactions.


Routing numbers are a fundamental component of banking transactions as they ensure the accurate routing of funds between financial institutions. From identifying the institutions involved to facilitating check processing, wire transfers, and electronic payments, routing numbers enable smooth and secure financial transactions.

Understanding the key functions and role of routing numbers empowers individuals and businesses to navigate the banking system with confidence and ensures the efficient transfer of funds.

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