fedsdk

US ABA routing number validation against live FedACH + Fedwire directories.

Install

npm install fedsdk
# or
bun add fedsdk

Usage

import { validate, validateABA, lookup } from 'fedsdk'

// Full validate: ABA checksum + directory lookup
validate('021000021')
// { valid: true, result: { routingNumber: '021000021', name: 'JPMORGAN CHASE', ach: true, wire: true, networks: ['ACH', 'Fedwire'] } }

// Checksum only (no directory hit)
validateABA('021000021') // true
validateABA('021000022') // false

// Directory lookup only
lookup('021000021')
// { routingNumber: '021000021', name: 'JPMORGAN CHASE', ach: true, wire: true, networks: ['ACH', 'Fedwire'] }

lookup('000000000') // null — not in directory

Browser / Edge / Lightweight Usage

To use only the checksum validation (e.g., in browsers, Cloudflare Workers, Edge functions) without importing Node.js modules or loading the 750KB database, import from the ./validate subpath:

import { validateABA } from 'fedsdk/validate'

validateABA('021000021') // true

API

validate(rn: string): ValidationResult

Runs ABA checksum and directory lookup. Returns { valid: false, result: null } if checksum fails; result is null if the number is not in the FedACH/Fedwire directories even when the checksum passes.

validateABA(rn: string): boolean

ABA mod-10 checksum only — no network or file I/O. Fast, synchronous.

lookup(rn: string): LookupResult | null

Directory lookup only. Returns null if routing number is not found.

Types

interface LookupResult {
  routingNumber: string
  name: string
  ach: boolean      // present in FedACH directory
  wire: boolean     // present in Fedwire directory
  networks: ('ACH' | 'Fedwire')[]
}

interface ValidationResult {
  valid: boolean
  result: LookupResult | null
}

Data

Routing number data is sourced from the Federal Reserve's FedACH and Fedwire directories, mirrored by moov-io/fed. The dataset (~19,000 routing numbers) ships bundled with the package.

To refresh the data manually:

npm run sync

License

MIT — see LICENSE