Read this first. This tool reports public database facts (the Federal Reserve routing directory and the FDIC bank lists). It does not and cannot tell you whether a specific check, money order, or wire is genuine. The only reliable way to verify a specific instrument is to call the issuing bank or money-order company using a phone number you find yourself on their official website — never a number printed on the check or given to you by the person who sent it.
RESOLVES TO AN ACTIVE BANK
Bank
Jpmorgan Chase
Location
Tampa, FL 33610
ABA check digit
valid
Fedwire (wire) participant
Yes
Source: Federal Reserve FedACH directory (E-Payments Routing Directory) via moov-io/fed mirror. Verified against 2026-06-22.
If you're holding a check right now
Find the bank's phone number on its official website yourself (search the bank name + "customer service"). Do not use any number printed on the check.
Call and ask them to verify the check by its number and amount.
If anyone asked you to deposit this and wire/Zelle/gift-card money back, stop — that is the fake-check scam pattern. Learn the signs.
Real banks make funds available in 1–2 days, but a fake check can take weeks to bounce. By then the scammer is gone — and your bank takes the money back from you.
You're "overpaid" and asked to wire back the difference (overpayment scam).
You're asked to deposit a check and send part via Zelle, gift cards, crypto, or wire — that's the tell.
The check is for a job, prize, rental, mystery-shopper, or online-sale you didn't expect.
There's pressure to act fast before the check "expires".
If any of these match: do not deposit, do not wire anything back, and report it at reportfraud.ftc.gov.
Machine / API
Agents: GET https://verifypayment.dropwatchhq.com/api/routing/021000021 · MCP tool verify_routing_number at /mcp.