Canadian Bank Institution Numbers

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by Enoch Omololu

Updated

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When expecting money via a direct deposit or wire transfer, you need to provide your bank’s institution number, transit number, and account number to the sender to avoid problems or delays.

Canadian bank institution numbers are made up of 3 digits (also known as bank codes) and this code is the same for all branches of the bank, credit union, loan, or trust company.

For example, the institution number for TD Canada Trust is 004.

Regardless of your province of residence or the TD branch where your bank account is located, this unique 3-digit number stays the same.

You can confirm your bank’s institution number by speaking to a teller or by calling customer service.

If you have a cheque from the bank, the financial institution number is located at the bottom (see sample cheque below).

td cheque sample
Source: TD Bank

The two other numbers you need to complete wire transfers i.e. transit number and account number are also included on cheques.

When you combine the transit number and financial institution number, you get the “routing number” used to facilitate various payments.

List of Canadian Bank Institution Numbers

The financial institution numbers for Canada’s five biggest banks are:

The table below lists institution numbers for banks, credit unions, trust and loan companies in alphabetical order.

Financial InstitutionInstitution Number
Airline Financial Credit Union Limited830
ATB Financial219
All Trans Financial Services Credit Union Limited810
Alterna Savings and Credit Union842
Amex Bank of Canada303
Atlantic Central839
B2B Bank618
Bank of America, National Association241
Bank of Canada177
Bank of China (Canada)308
Bank of Tokyo-Mitsubishi UFJ (Canada)245
Bank West342
Barclay’s Bank PLC, Canada Branch360
BNP Paribas250
Bridgewater Bank347
La Caisse Centrale Desjardins Du Québec815
Caisse populaire Alliance Limitée890
Canadian Tire Bank338
Canadian Western Bank030
Capital One Bank (Canada Branch)323
Central 1 Credit Union British Columbia809
Central 1 Credit Union Ontario828
CIBC Trust Corporation548
Citibank Canada260
Citibank N.A.328
Citizens Bank of Canada309
Coast Capital Savings Federal Credit Union382
Comerica Bank330
Communication Technologies Credit Union Limited807
Community Trust Company507
Concentra Financial Services Association853
Credit Union Central Alberta Limited899
Credit Union Central of Manitoba Limited879
Credit Union Central of Saskatchewan889
CS Alterna Bank608
CTBC Bank of Canada315
Deutsche Bank AG265
DirectCash Bank352
Dundalk District Credit Union Limited828
Effort Trust Company532
Edward Jones701
Fifth Third Bank, National Association345
First Commercial Bank332
First Nations Bank of Canada310
Caisse populaire acadienne ltée (NB)865
La FéCaisse Desjardins Ontario Credit Union Inc.829
Caisse Populaire Group Financier Ltée (MB)819
General Bank of Canada344
Golden Horseshoe Credit Union Limited854
Habib Canadian Bank321
Haventree Bank381
HomeEquity Bank358
Home Trust Company627
HSBC Bank Canada016
HSBC Mortgage Corporation (Canada)604
ICICI Bank Canada340
Industrial Alliance Trust Inc.625
Industrial and Commercial Bank of China (Canada)307
Investors Group Trust Co. Ltd.536
J.P. Morgan Bank Canada314
JPMorgan Chase Bank National Association270
Korea Exchange Bank of Canada275
Laurentian Bank of Canada039
Laurentian Trust of Canada Inc.522
M&T Bank357
Manulife Bank of Canada540
Manulife Trust Company626
Mega International Commercial Bank (Canada)269
Meridian Credit Union837
Mizuho Corporate Bank Ltd. Canada Branch277
Montreal Trust Company of Canada550
Motus Bank374
National Bank of Canada006
National Trust Company590
Ontario Civil Service Credit Union Limited846
Peace Hills Trust Company568
Peoples Trust Company621
President’s Choice Bank320
Rabobank Nederland322
Royal Bank Mortgage Corporation592
Royal Bank of Canada003
Royal Trust Corporation of Canada580
SBI Canada Bank294
Scotia Mortgage Corporation606
Shinhan Bank Canada355
Société Générale (Canada Branch)292
Société Générale (Canada Branch) Ontario346
State Street327
Sumitomo Mitsui Banking Corporation of Canada301
Sun Life Financial Trust Inc.551
Tangerine Bank614
TD Mortgage Corporation597
TD Pacific Mortgage Corporation603
The Bank of New York Mellon242
The Bank of Nova Scotia002
The Canada Trust Company509
The Equitable Trust Company623
The Northern Trust Company Canada Branch349
The Toronto-Dominion Bank004
U.S. Bank National Association318
UBS AG Canada Branch339
UBS Bank (Canada)290
United Overseas Bank Limited335
Vancity Community Investment Bank309
VersaBank334
Wealth One Bank of Canada370
Wells Fargo Bank, National Association, Canadian Branch362

Transit Number: Is five digits and identifies the specific branch where your account is domiciled. It is also referred to as the branch number.

The combination of a transit number and financial institution number makes up the “routing numbers” that are maintained by Payments Canada.

Account Number: This is the 7-12 digits number that refers to your individual bank accounts including chequing, savings, and loan accounts.

If you don’t have a cheque book, you can download a pre-filled Direct Deposit form from your online banking portal with all the relevant bank numbers:

  • Transit number
  • Institution number
  • Account number
cibc direct deposit form
Source: CIBC

You can use this form to set up payroll deposits or provide it to a lender or business that’s looking to set up an electronic funds transfer.

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Author

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Enoch Omololu

Enoch Omololu is a personal finance expert and a veterinarian. He has a master’s degree in Finance and Investment Management from the University of Aberdeen Business School (Scotland) and has completed several courses and certificates in finance, including the Canadian Securities Course. He also has an MSc. in Agricultural Economics from the University of Manitoba and a Doctor of Veterinary Medicine degree from the University of Ibadan. Enoch has a passion for helping others win with their personal finances and has been writing about money matters for over a decade. His writing has been featured or quoted in the Toronto Star, The Globe and Mail, MSN Money, Financial Post, Winnipeg Free Press, CPA Canada, Credit Canada, Wealthsimple, and many other personal finance publications.

His top investment tools include Wealthsimple and Questrade. He earns cash back on purchases using KOHO, monitors his credit score for free using Borrowell, and earns interest on savings through EQ Bank.

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