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The main difference between routing and account numbers is where they appear on checks and what each number means. Routing and account numbers provide information about a person’s checking account. The routing number provides the bank’s details for sending and receiving payments. The account number provides the individual’s account details so that money goes into or out of the correct account.
Third-party checks can provide a way to transfer money without searching for a long-lost checkbook or making an ATM withdrawal. They also can be useful for those without bank accounts that need to cash a check.