Transit Number # 04082-001

Bank	Bank of Montreal (BMO)
Branch Name	800 Niagara St
Routing Number	000104082
Transit Number (MICR)	04082-001
Address	800 Niagara St
City	Welland
State	ON
Postal Code	L3C 5Z4

Location Map of Bank of Montreal
Welland,ON

Bank of Montreal

Welland-ON

List of Bank of Montreal Transit Numbers in Welland ( ON )

04082-001

29892-001

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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.