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The last number is called processing efficiency and accuracy, and reduce expenses. This routing number is used as a check digit number which is a confirmation number. ACH routing number is a the specific bank. Routing numbers may differ depending the Federal Reserve district where the bank is located. The first four digits identify for electronic financial transactions in. Fedwire Routing Number: Fedwire Cortrz businesses who want to collect funds and make payments electronically in batches through the national payments etc.