You can use routing and account numbers to send money to someone's bank account. Banks use routing numbers and account numbers to address individual bank accounts. For example, it can be a checking or a savings account. The routing number says in which bank the account is open. Prepaid cards often have the same routing number because the same bank backs them. The account number identifies a specific bank account. You can use account and routing numbers to connect external bank accounts. Your bank can make small deposits of a few cents, and those amounts should be used to verify ownership. You cannot withdraw money from someone's account using just an account and routing numbers.

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