No, a Social Security number is not a secret or hidden Federal Reserve Bank account, nor does it contain secret funds accessible through routing numbers or specialized financial drafts. This persistent urban legend, often promoted by sovereign citizen or tax-defraudment schemes, falsely claims that the United States government creates a multi-million-dollar trust account linked to every citizen's Social Security number at birth. Attempting to use a Social Security number as a routing or bank account number for transactions is illegal and constitutes financial fraud.