Bank Routing Number Finder and Validator

This Apify actor helps you find and validate US bank routing numbers and bank details. It provides four main functionalities:

1. Single Search: Find bank details by bank name and ZIP code - Search for routing numbers and bank information using the bank name and location
2. Single Search: Find bank details by routing number - Validate a routing number and get detailed bank information
3. Batch Search: Process multiple banks - Process a list of banks with names and ZIP codes in one run
4. Batch Search: Validate multiple routing numbers - Validate multiple routing numbers at once

🚀 Features

• Comprehensive bank database search - Searches multiple sources that are widely used and continously updated
• Batch processing - Process multiple banks or routing numbers in a single run for efficiency
• Fuzzy matching - Intelligent name matching to find banks even with slight variations in naming
• ZIP proximity matching - Finds banks in nearby ZIP codes when exact match is not available
• Routing number validation - Validates routing number format and checksums
• Proxy support - Built-in support for Apify proxy services to avoid rate limiting
• Error handling - Clear error messages when banks or routing numbers are not found
• Multiple data sources - Combines data from various reliable banking databases

📋 Input Parameters

The actor accepts the following input parameters:

Required Parameters

• mode (string) - Search mode:
  • "bankNameZip" - Single search by bank name and ZIP code
  • "routingNumber" - Single search by routing number
  • "batchBankNameZip" - Batch search for multiple banks by name and ZIP code
  • "batchRoutingNumbers" - Batch validation of multiple routing numbers

Conditional Parameters

When mode is "bankNameZip":

• bankName (string) - Name of the bank to search for
• zipCode (string) - 5-digit ZIP code where the bank is located (supports ZIP+4 format, e.g., "33622-5118")

When mode is "routingNumber":

• routingNumber (string) - 9-digit bank routing number

When mode is "batchBankNameZip":

• batchBankList (array) - Array of strings in format "Bank Name,ZIP Code":
  • Example: ["Chase Bank,10017", "Bank of America,33622"]

When mode is "batchRoutingNumbers":

• batchRoutingNumbers (array) - Array of 9-digit routing number strings

Optional Parameters

• useProxy (boolean) - Enable Apify proxy usage (default: false)
  • Recommended for production use to avoid rate limiting
  • Uses Apify's residential proxy pool for reliable access

📤 Output

The actor returns a structured JSON object with the following format:

{
  "success": true|false,
  "error": null|"error message",
  "data": {
    // Bank details object or null
  }
}

Successful Response Example

{
  "success": true,
  "error": null,
  "data": {
    "bank_name": "CHASE BANK",
    "routing_number": "021000021",
    "address": "270 PARK AVE",
    "city": "NEW YORK",
    "state": "NY",
    "zip_code": "10017",
    "phone": "(212) 270-6000",
    "wire_routing": "021000021",
    "status": "Active"
  }
}

Error Response Example

{
  "success": false,
  "error": "No bank found for name \"INVALID BANK\" in ZIP code \"00000\". This could be due to: 1) Incorrect bank name or ZIP code, 2) Bank not in our database, 3) Bank may have changed names or merged with another institution.",
  "data": null
}

🔧 Usage Examples

Example 1: Search by Bank Name and ZIP Code

Input:

{
  "mode": "bankNameZip",
  "bankName": "Chase Bank",
  "zipCode": "10017",
  "useProxy": true
}

Example 2: Search by Routing Number

Input:

{
  "mode": "routingNumber",
  "routingNumber": "021000021",
  "useProxy": true
}

Example 3: Search for Credit Union

Input:

{
  "mode": "bankNameZip",
  "bankName": "Evansville Teachers Federal Credit Union",
  "zipCode": "47715",
  "useProxy": false
}

Example 4: Batch Search for Multiple Banks

Input:

{
  "mode": "batchBankNameZip",
  "batchBankList": [
    "Chase Bank,10017",
    "Bank of America,33622",
    "Wells Fargo Bank,94102"
  ],
  "useProxy": true
}

Output:

{
  "success": true,
  "error": null,
  "mode": "batchBankNameZip",
  "total": 3,
  "processed": 3,
  "successful": 3,
  "failed": 0,
  "message": "Processed 3 bank searches: 3 successful, 0 failed"
}

Example 5: Batch Validate Multiple Routing Numbers

Input:

{
  "mode": "batchRoutingNumbers",
  "batchRoutingNumbers": [
    "021000021",
    "063100277",
    "121000248"
  ],
  "useProxy": false
}

Output:

{
  "success": true,
  "error": null,
  "total": 3,
  "processed": 3,
  "successful": 3,
  "failed": 0,
  "results": [
    {
      "index": 1,
      "input": "021000021",
      "success": true,
      "error": null,
      "data": { /* bank details */ }
    },
    {
      "index": 2,
      "input": "063100277",
      "success": true,
      "error": null,
      "data": { /* bank details */ }
    },
    {
      "index": 3,
      "input": "121000248",
      "success": true,
      "error": null,
      "data": { /* bank details */ }
    }
  ]
}

🎯 Use Cases

• Banking Applications - Validate routing numbers in payment processing systems
• Financial Data Enrichment - Get complete bank details from partial information
• Compliance and Verification - Verify bank information for regulatory compliance
• Payment Processing - Validate bank details before processing ACH transfers
• Data Cleansing - Clean and standardize banking data in databases
• Batch Processing - Process hundreds of bank records or routing numbers efficiently
• API Integration - Use as a microservice for bank data lookup
• Data Migration - Validate and enrich bank data during system migrations

⚡ Performance and Reliability

• Multi-source lookup - Searches local database first, then external sources for comprehensive coverage
• Intelligent caching - Uses local database to reduce external API calls
• Retry mechanism - Built-in retry logic for handling temporary failures
• Rate limiting protection - Proxy support to avoid being blocked by external services
• Fuzzy matching - Advanced algorithms to find matches even with slight name variations

🔍 Data Sources

The actor searches the following sources in order:

1. Local Database - Pre-populated database with thousands of banks for fast lookups
2. Codes Database - External API for comprehensive bank information
3. ABA Database - American Bankers Association routing number database

🛠️ Technical Details

• Runtime: Python 3.11
• Memory: 1GB (configurable)
• Timeout: 5 minutes (configurable)
• Proxy Support: Yes (Apify residential proxies)
• Rate Limiting: Built-in protection with delays and retries

📞 Error Handling

The actor provides detailed error messages for common scenarios:

• Invalid routing number format - When the routing number doesn't pass validation
• Bank not found - When no matching bank is found in any database
• Invalid ZIP code - When the ZIP code format is incorrect
• Missing parameters - When required parameters are not provided
• Network errors - When external services are unavailable

🔒 Privacy and Security

• No data storage - The actor doesn't store any input data permanently
• Secure connections - All external requests use HTTPS
• Proxy protection - Optional proxy usage to protect your IP address
• No personal data - Only processes publicly available banking information

🆘 Support and Troubleshooting

Common Issues:

1. "No bank found" - Try variations of the bank name or check if the ZIP code is correct
2. "Invalid routing number" - Ensure the routing number is exactly 9 digits
3. Timeout errors - Enable proxy usage for better reliability

Tips for Better Results:

• Use official bank names (avoid abbreviations when possible)
• Try both "Bank" and "National Bank" variations
• For credit unions, include "Federal Credit Union" or "FCU"
• Ensure ZIP codes are 5 digits (don't include ZIP+4 extension)

📄 License

This actor is provided as-is for legitimate banking data lookup purposes. Please ensure compliance with the terms of service of external data sources and applicable regulations.

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