This number begins with a 3, and that single digit carries more information than the rest of the prefix. Most routing numbers people see start with a zero or a one, so a leading 3 looks anomalous and prompts exactly this search. It is not anomalous, it is a deliberate range, and knowing the rule turns the first two digits into a genuine piece of information rather than a curiosity.
The leading 3 is a range, not an error
The Federal Reserve's key to routing numbers records that in districts one to nine, routing transit numbers for thrifts and credit unions carry a 2 as the first digit, and in districts ten to twelve they carry a 3. So a number opening 32 sits in the thrift and credit union range for the twelfth district, San Francisco. A number opening 12 would be the ordinary commercial range for the same district. The information is in which range was used, not in the digits alone.
The rest of the prefix
After the range and district digits, the third and fourth digits identify the processing arrangement, here 27. The following four digits, 1627 in this case when read with the check digit removed, are an institution sequence within that arrangement. As with every routing number, none of this encodes a branch, a state or anything about an account. A bank operating in several states commonly holds several routing numbers, which is why the number alone cannot place an account geographically.
The checksum
Apply the three, seven, one weighting across the nine digits. For 322271627 that is three times three plus two plus six, which is thirty three; seven times two plus seven plus two, which is seventy seven; and two plus one plus seven, which is ten. Thirty three plus seventy seven plus ten is one hundred and twenty, and one hundred and twenty divides by ten. The number is well formed, which rules out a simple typing error in what you were given.
Confirming it before you use it
Well formed is not the same as correct for your payment. Ask the payee which institution the number belongs to and find that institution's own routing number page, because most publish one and many publish separate numbers for ACH and for wires. If the number arrived in an email replacing details you already held, telephone the payee on a number you had before that email. Payment redirection uses genuine, well formed routing numbers belonging to accounts the fraudster controls.
Questions people ask about routing number 322271627
Why does routing number 322271627 start with a 3?
Because it sits in the thrift and credit union range. The Federal Reserve assigns a leading 3 to those institutions in districts ten to twelve, which includes the twelfth district, San Francisco.
Is it a valid routing number?
It is well formed: the weighted checksum comes to one hundred and twenty, which divides by ten.
Does the number tell me which state the account is in?
No. It names a Federal Reserve district, and many banks hold several routing numbers across the states they operate in.
How do I confirm whose it is?
Ask the payee which bank it is and check the number on that bank's own published routing number page. The complete register is a licensed product this index does not republish.