Discover Routing Number

031100649
ACH & Wire

Routing Number 031100649 Details

Routing Number 031100649
Bank Discover
State / Region National
Type ACH & Wire

Is 031100649 Valid?

Yes — 031100649 is a valid ABA routing number assigned to Discover for National. It is used for both ACH and wire transfers.

What Does 031100649 Mean?

Every ABA routing number is a 9-digit code that identifies both the Federal Reserve district and the specific financial institution. Here's how 031100649 breaks down:

DigitsValueMeaning
1–40311Federal Reserve routing symbol (Philadelphia district)
5–80064Discover institution identifier
99Check digit (validates the number)

The first two digits (03) indicate the Federal Reserve Bank that serves this institution — in this case, the Federal Reserve Bank of Philadelphia. The check digit is calculated using a weighted algorithm to prevent transcription errors.

ACH vs. Wire Transfers: When to Use 031100649

This routing number works for both ACH and wire transfers at Discover:

ACH Transfers

  • Direct deposit (payroll)
  • Bill payments
  • Tax refunds
  • Recurring transfers

Typically 1–3 business days. Free or low-cost.

Wire Transfers

  • Large one-time payments
  • Real estate closings
  • International transfers
  • Time-sensitive payments

Same-day settlement. Usually $15–$30 fee.

How to Find Your Discover Routing Number

If you need to verify that 031100649 is the correct routing number for your account, you can check in several places:

  1. Your checkbook — The routing number is the first 9 digits at the bottom-left of any personal check, before your account number.
  2. Online banking — Log in to Discover and look under account details or settings.
  3. Mobile app — Most banking apps show the routing number on the account summary screen.
  4. Customer service — Call Discover to confirm over the phone.

Your routing number is based on the state where you opened your account, not your current address. If you opened your Discover account in National, 031100649 is likely the correct number.

Frequently Asked Questions

Yes, 031100649 is the ACH & Wire routing number for Discover in National.

Routing number 031100649 belongs to Discover. It is used for National.

This routing number can be used for both ACH transfers (direct deposit, bill pay) and domestic wire transfers.

Yes, you can use 031100649 to set up direct deposit for your Discover account in National. You'll also need your account number, which you can find in your online banking portal or on a check.

A routing number like 031100649 identifies the bank and branch (Discover, National), while your account number identifies your specific account at that bank. Both are needed for transfers. On a check, the routing number is the first 9 digits at the bottom left, followed by your account number.

More Discover Resources

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