Two routing numbers can share a district prefix and belong to completely different institutions, and one institution can hold several routing numbers at once. That combination is why people end up searching a specific number rather than a bank name, and why the answer they want is often not in any free table. What is available for free is the structure, the arithmetic, and a good way to confirm.
What 05 names, and what it does not
The opening pair, 05, is the fifth Federal Reserve district, Richmond. A district is a processing region covering several states, so two banks with nothing to do with each other can both carry a 05 prefix, and a bank headquartered elsewhere can carry one if it is processed there. The prefix is therefore a weak signal about geography and a reliable one about which Reserve Bank handles the item. Treat any site that converts it into a street address with suspicion.
Why one bank holds several numbers
Large US banks commonly issue routing numbers by state, so the number on an account opened in one state differs from the number on an account opened in another, even at the same bank. Many also publish a separate routing number for wire transfers. Bank of America's own routing number page says explicitly that routing numbers are based on the state in which the account was opened, and lists an electronic number and a wire number separately. That is the normal pattern rather than an exception.
The checksum for this number
Weight three, seven, one across the nine digits. Three times zero plus zero plus six is eighteen. Seven times five plus zero plus three is fifty six. Two plus one plus three is six. Eighteen plus fifty six plus six is eighty, which divides by ten, so the number is well formed. Run the same arithmetic on any routing number you are given: it takes under a minute and catches the transposed digit that is the commonest error in a number copied by hand.
Confirming it with the bank
Because one bank can hold several numbers, the right confirmation is not whether the number exists but whether it is the right one for this account and this payment type. Ask the payee for the bank, the state the account was opened in and whether the payment is ACH or a wire, then check the bank's own published page. That is three questions and it eliminates almost every routing failure, including the ones a directory lookup would not have caught.
Questions people ask about 052001633 routing number
Is 052001633 well formed?
Yes. The weighted checksum comes to eighty, which divides by ten.
Can one bank have more than one routing number?
Commonly. Large US banks issue routing numbers by the state an account was opened in, and often publish a separate number for wire transfers.
Does the 05 prefix tell me the state?
No. It names the fifth Federal Reserve district, Richmond, which spans several states and processes for banks headquartered elsewhere.
What should I ask the payee?
Which bank, which state the account was opened in, and whether the payment is ACH or a wire. Then check the bank's own routing number page.