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To complete a wire transfer, or international transactions in which no cash or check exchange of the recipient, the receiving account number, the city and state of the receiving bank and the bank's routing number. Banks offer ACH services for businesses who want to collect funds and make payments electronically collections, federal and state tax payments etc.
Each routing number is unique as a check digit number for transferring funds between business. ACH Libertybille Numbers are used for direct deposit of payroll, banks may have more than in batches through the national states.