What is a routing number?

A routing number (also called an ABA routing number or RTN) is a nine-digit code that identifies a U.S. financial institution. It's used to route ACH transfers, direct deposits, wire transfers, and check payments to the correct bank.

Where do I find my routing number?

Your routing number is printed in the bottom-left corner of every check, listed in your online banking app under account details, and printed on monthly statements. Many banks also use a different routing number for wire transfers — always confirm which one you need.

Is the routing number the same for everyone at the same bank?

Often it varies by the state where you opened your account. Large banks like Chase and Wells Fargo use 30+ different routing numbers across the U.S., while online banks and fintechs typically use one number nationwide.

Can I receive crypto with a routing number?

No. Routing numbers move U.S. dollars between bank accounts. To receive crypto, you need a wallet address. Anytime Capital gives you both an FDIC-insured cash account (with a routing and account number) and a crypto wallet — so you can move money in either form, instantly.

Step Routing Number

Updated October 2026

Routing number

124303162

Step is a U.S. financial institution. Detailed routing-by-state coverage, fee schedule, and FAQ for Step are being expanded — for now, your routing number is 124303162.

Step wire transfer fees

Type	Fee
Domestic wire (outgoing)	$25–$35
Domestic wire (incoming)	$15
International wire (outgoing)	$45–$50
International wire (incoming)	$15

Fees subject to change. Confirm the latest schedule on Step's website before sending.

How to find your Step routing number

Your routing number is the 9-digit code in the bottom-left of every check. Your account number sits to the right of it.

• Look at the bottom-left of any check from Step — the 9-digit number on the left.
• Log in to Step's mobile app or online banking and open the account details screen.
• Check the top of any monthly statement.
• Call Step customer service — but never share the number plus your full account details with anyone you don't trust.

Tired of waiting on Step transfers?

Buy crypto with Apple Pay in 60 seconds. FDIC-insured cash account, instant virtual debit card, free to open.

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Frequently asked questions

Sending money with these numbers

Related banks and fintechs

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Step Routing Number

Updated October 2026

Routing number

124303162

Step is a U.S. financial institution. Detailed routing-by-state coverage, fee schedule, and FAQ for Step are being expanded — for now, your routing number is 124303162.

Step wire transfer fees

Type	Fee
Domestic wire (outgoing)	$25–$35
Domestic wire (incoming)	$15
International wire (outgoing)	$45–$50
International wire (incoming)	$15

Fees subject to change. Confirm the latest schedule on Step's website before sending.

How to find your Step routing number

Your routing number is the 9-digit code in the bottom-left of every check. Your account number sits to the right of it.

• Look at the bottom-left of any check from Step — the 9-digit number on the left.
• Log in to Step's mobile app or online banking and open the account details screen.
• Check the top of any monthly statement.
• Call Step customer service — but never share the number plus your full account details with anyone you don't trust.

Tired of waiting on Step transfers?

Buy crypto with Apple Pay in 60 seconds. FDIC-insured cash account, instant virtual debit card, free to open.

Buy crypto with Apple Pay Open a free account

Frequently asked questions

Sending money with these numbers

Related banks and fintechs

Move money your way.

One app for cash, crypto, and a free virtual debit card.

Open free account Buy crypto now