The Hacker's Encyclopedia 1998

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==Phrack Inc.== Volume Three, Issue 29, File #6 of 12 + BANK INFORMATION + \ / \ / ___Compiled By___ / \ Legion Of Doom! EFT Division ------------ In order to exact any type of bank associated transaction by computer, one must have a working knowledge of the various routing codes involved in the banking processes. The following is an informational guide to the coding used in American banking transactions. ABA (American Bankers Association) Transit Numbers Numbers 1 to 49 inclusive are Prefixes for Cities Numbers 50 to 99 inclusive are Prefixes for States Prefix Numbers 50 to 58 are Eastern States Prefix Number 59 is for Alaska, Hawaii, and US Territories Prefix Numbers 60 to 69 are Southeastern States Prefix Numbers 70 to 79 are Central States Prefix Numbers 80 to 88 are Southwestern States Prefix Numbers 90 to 99 are Western States [more] 1 New York, NY 2 Chicago, IL 3 Philadelphia, PA 4 St. Louis, MO 5 Boston, MA 6 Cleveland, OH 7 Baltimore, MD 8 Pittsburgh, PA 9 Detroit, MI 10 Buffalo, NY 11 San Francisco, CA 12 Milwaukee, WI 13 Cincinnati, OH 14 New Orleans, LA 15 Washington D.C. 16 Los Angeles, CA 18 Kansas City, MO 19 Seattle, WA 20 Indianapolis, IN 21 Louisville, KY 22 St. Paul, MN 23 Denver, CO 24 Portland, OR 25 Columbus, OH 26 Memphis, TN 27 Omaha, NE 28 Spokane, WA 29 Albany, NY 30 San Antonio, TX 31 Salt Lake City, UT 32 Dallas, TX 33 Des Moines, IA 34 Tacoma, WA 35 Houston, TX 36 St. Joseph, MO 37 Fort Worth, TX 38 Savannah, GA 39 Oklahoma City, OK 40 Wichita, KS 41 Sioux City, IA 42 Pueblo, CO 43 Lincoln, NE 44 Topeka, KS 45 Dubuque, IA 46 Galveston, TX 47 Cedar Rapids, IA 48 Waco, TX 49 Muskogee, OK 50 New York 51 Connecticut 52 Maine 53 Massachusetts 54 New Hampshire 55 New Jersey 56 Ohio 57 Rhode Island 58 Vermont 59 Alaska, American Samoa, Guam, Hawaii, Puerto Rico, Virgin Islands 60 Pennsylvania 61 Alabama 62 Delaware 63 Florida 64 Georgia 65 Maryland 66 North Carolina 67 South Carolina 68 Virginia 69 West Virginia 70 Illinois 71 Indiana 72 Iowa 73 Kentucky 74 Michigan 75 Minnesota 76 Nebraska 77 North Dakota 78 South Dakota 79 Wisconsin 80 Missouri 81 Arkansas 83 Kansas 84 Louisiana 85 Mississippi 86 Oklahoma 87 Tennessee 88 Texas 90 California 91 Arizona 92 Idaho 93 Montana 94 Nevada 95 New Mexico 96 Oregon 97 Utah 98 Washington 99 Wyoming Federal Reserve Routing Symbols * All banks in an area served by a FR bank or branch bank carry the routing symbol of the FR bank or branch 1 Federal Reserve Bank of Boston Head 5-1 Office 110 2 Federal Reserve Bank of New York Head 1-120 Office 210 Buffalo Branch 10-26 220 3 Federal Reserve Bank of Philadelphia 3-4 Head Office 310 4 Federal Reserve Bank of Cleveland Head 0-1 Office 410 Cincinnati Branch 13-43 420 Pittsburgh Branch 8-30 430 5 Federal Reserve Bank of Richmond Head 68-3 Office 510 Baltimore Branch 7-27 520 Charlotte Branch 66-20 530 6 Federal Reserve Bank of Atlanta Head 64-14 Office 610 Birmingham Branch 61-19 620 Jacksonville Branch 63-19 630 Nashville Branch 87-10 640 New Orleans Branch 14-21 650 7 Federal Reserve Bank of Chicago Head 2-30 Office 710 Detroit Branch 9-29 720 8 Federal Reserve Bank of St. Louis Head 4-4 Office 810 Little Rock Branch 81-13 110 Louisville Branch 21-59 830 Memphis Branch 26-3 840 9 Federal Reserve Bank of Minneapolis 17-8 Head Office 910 Helena Branch 92-26 920 10 Federal Reserve Bank of Kansas City 18-4 Head Office 1010 Denver Branch 23-19 1020 Oklahoma City Branch 39-24 1030 Omaha Branch 27-12 1040 11 Federal Reserve Bank of Dallas Head 32-3 Office 1110 El Paso Branch 88-1 1120 Houston Branch 35-4 1130 San Antonio Branch 30-72 1140 12 Federal Reserve Bank of San Francisco 11-37 Head Office 1210 Los Angeles Branch 16-16 1220 Portland Branch 24-1 1230 Salt Lake City Branch 31-31 1240 Seattle Branch 19-1 1250 BANK IDENTIFICATION CODES XX-YYY WHERE: XX = City or State ZZZZ YYY = Bank of Origin ZZZZ = Federal Reserve Routing Code If three digits: The first digit identifies the Federal Reserve District The second digit, if 1, stands for the Head Office of the Federal Reserve District; 2-5 stand for the Branch Office of the Federal Reserve District The third digit signifies: 0-available for immediate credit; others have deferred credit and the digits mean the following: 1-5 designates the state in which the drawee bank is located; 6-9 special collection arrangements. If four digits: The first two digits stand for the Federal Reserve District 10-12. The following digits are as above EXAMPLE: 68-424 68-State of Virginia 514 424-Arlington Trust Co., Arlington, VA 5-Fifth Federal Reserve District 1-Head Office in Richmond, Virginia 4-Deferred credit and the state of Virginia *NOTE -- For further your familiarity with the coding process, on checks, these numbers appear at the bottom of the check according to the MICR Check Coding System. The check number, the account number, and the ABA Transit Number will all be encoded in magnetic ink. The ABA Number will be enclosed in symbols like: |: ABANUMBER |: The grouping of the ABA and Federal Reserve Codes will also usually appear at the upper right-hand corner of the check. Keep in mind that there are a great many checks involved in any banking procedure, and almost any transaction evoked improperly will draw attention. Furthermore, the documents generated in a legitimate wire-transfer situation are quite extensive. Should a transaction be noticed, and these documents are not available for scrutiny, again attention will be drawn to the situation. * BANK DOCUMENTS * * WIRE TRANSFER * INTERNAL CUSTOMER RECORD Teller Tape & Proof Sheets Copy of Wire Transfer Ticket Wire Transfer Ticket Cancelled Check (if used to Microfilm copy of check purchase) used to purchase wire Bank Statement (if funds came transfer out of the account) Microfilm copies of account records (if fund came out of existing account) Cash In/Out Ticket Vault Book Entry Bank Security Film Copy of CTR Bank transactions must be swift and precise. Amounts should be kept under the $10,000 range in order not to immediately arouse suspicion. Attacks must executed correctly the first time, as there will be no possibilities for a second chance. Monies must be gathered rapidly and dispersed into various outlets to avoid additional attention. Transfers to banking systems whose countries keep strict right to privacy laws, such as Panama, Switzerland, et.al. are not recommended as the transactions are much more involved and there exists a greater potential for error in international wire-transfers. The preferred method of transfer of funds would involve one or more false identities, complete with state approved identification or passport and social security cards. Bank Security Film is kept on file, so it would be preferred that some semblance of disguise be implemented, ranging from hair bleaching, sun-tanning, makeup, false accents, facial hair, etc. Various accounts in the assumed name would be opened in several cities with the minimum initial balance. Within approximately two weeks, funds of no more than $7500 would be diverted to each account. The funds would then be withdrawn in cash with no more than $5000 from each account, the balance being left in the account. Once the funds have been made cash, they would then be distributed to foreign banks, or invested in foreign markets to avoid detection by the Internal Revenue Service. Conviction for Illegal Transference of Funds is not recommended. _______________________________________________________________________________