Prefix City (Optional) No longer required and 
        not used in the calculation of the 9-digit routing number.  However, most 
        fractional routing numbers on checks continue to display it. This determines the 
        closest Fed Bank branch to the issuing bank.
    
    
        Institution ID (Required) This number identifies 
        the issuing institution of the account.  This number is unique only within 
        the Fed Bank series (the denominator). Determines digits 5 - 8 of the 9-digit 
        routing number.
    
        Issuing Branch No. 
        (Optional) This is the least 
        commonly used aspect of the fractional routing number.  This is an optional 
        assignment to show the originating branch.
    
        Fed Bank Code 
        (Required) This determines the 
        institution type and the reserve bank the account is processed through. 
        Determines digits 1 - 4 of the 9-digit routing number.