Somebody has given you 063100277 and you want to know whether it is real and whose it is. The first half of that is answerable right here with arithmetic, because a US routing number carries its own check digit and its opening pair names a Federal Reserve district. The second half is answerable too, but not from a table on a website, and this page says why and gives you the two routes that work.
The opening pair: district six
The first two digits of a US routing number identify the Federal Reserve district that processes for the institution. Here they are 06, which is the sixth district, Atlanta. The Federal Reserve's own key to routing numbers sets out the district numbering, and adds that in districts one to nine a leading 2 marks a thrift or credit union, while in districts ten to twelve a leading 3 does. A leading 0 with a six in second place is therefore an ordinary commercial bank routing number in the Atlanta district.
The checksum, worked through
Every US routing number satisfies a weighted sum. Multiply the first, fourth and seventh digits by three, the second, fifth and eighth by seven, and the third, sixth and ninth by one, then add. For 063100277 that is three times zero plus one plus two, which is nine; seven times six plus zero plus seven, which is ninety one; and three plus zero plus seven, which is ten. Nine plus ninety one plus ten is one hundred and ten, which divides by ten. The number is therefore well formed.
What the arithmetic does not settle
A well formed routing number is not necessarily a live one, and it certainly does not tell you which institution holds it. The register that maps every routing number to an institution is maintained and distributed commercially, and this index does not republish it. What this index publishes instead is what each bank states about its own identifiers on its own pages, quoted with the date it was read, because a fact you can trace to the institution beats a row in a table nobody can date.
Two free ways to confirm it
First, ask the party who gave it to you which bank it is, then find that bank's own routing number page and check the number appears there. Most large US banks publish one, and several publish separate numbers for direct deposit and for wires. Second, if the number was given to you for a payment you are about to make, call the payee on a number you already had before you send anything. Neither route costs anything and both are stronger than a lookup.
Questions people ask about 063100277
Is 063100277 a valid routing number?
It is well formed: the weighted checksum over its nine digits comes to one hundred and ten, which divides by ten. That means the digits are internally consistent, not that the number is in use.
Which Federal Reserve district is 06?
The sixth district, Atlanta. The first two digits of a routing number identify the district that processes for the institution.
Why will this site not tell me the bank?
Because the routing number register is a licensed commercial product. This index publishes what banks state about themselves on their own pages, with dates, rather than republishing a directory.
Can I use this number for a wire transfer?
Not without checking. Many US banks publish a different routing number for wires than for ACH and direct deposit, and the bank's own page will say which is which.