Bank of Montreal
Newfoundland and Labrador - St. John's
238 Water Street
Routing Number # 000110231

BankBank of Montreal (BMO)
Branch Name238 Water Street
Routing Number000110231
MICR (Transit Number)10231-001
Address238 Water Street
CitySt. John's
StateNewfoundland and Labrador
Postal CodeA1C 1A9
Location Map of Bank of Montreal
St. John's,NL
Location Map of 238 Water Street branch of Bank of Montreal in St. John's,NL
 

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What is the Routing Number?

A routing number identifies the financial institution and the branch to which a payment item is directed. Along with the account number, it is essential for delivering payments through the clearing system.

In Canada, there are two formats for routing numbers:

EFT Routing Number

An Electronic Fund Transactions (EFT) routing number is comprised of a three-digit financial institution number and a five-digit branch number, preceded by a "leading zero".
Example : 0XXXYYYYY
  • 0 : Leading zero
  • YYY : Institution Number
  • XXXXX : Branch Number
The electronic routing number is used for routing electronic payment items, such as direct deposits and wire transfers.

MICR Number (Transit Number)

MICR Numbers or widely known as Transit Numbers are used in cheques processing. It appears on the bottom of negotiable instruments such as checks identifying the financial institution on which it was drawn.
A paper (MICR) routing number is comprised of a three-digit financial institution number and a five-digit branch number. It is encoded using magnetic ink on paper payment items (such as cheques).
Example : XXXXX-YYY
  • XXXXX : Branch Number
  • YYY : Institution Number
MICR stands for Magnetic Ink Character Recognition.