ACH US Routing Number – CITIZENS STATE BANK
| Routing Number | Address | City | State | |
| 1 | 062202998 | P O BOX 800 | VERNON | AL |
| 2 | 063106501 | 13840 W. NEWBERRY RD | NEWBERRY | FL |
| 3 | 071107699 | 36 E JONES STREET | MILFORD | IL |
| 4 | 071108106 | P O BOX 396 | LENA | IL |
| 5 | 073907952 | P.O. BOX 198 | WYOMING | IA |
| 6 | 073921190 | 117 W 1ST STREET | MONTICELLO | IA |
| 7 | 073922322 | P O BOX 130 | SHELDON | IA |
| 8 | 074902082 | 1238 BROAD STREET | NEW CASTLE | IN |
| 9 | 074913699 | 1238 BROAD STREET | NEW CASTLE | IN |
| 10 | 075903983 | 400 N. MAIN ST | LOYAL | WI |
| 11 | 091205733 | PO BOX 67 | GLENVILLE | MN |
| 12 | 091213877 | PO BOX 430 | TYLER | MN |
| 13 | 091217226 | 307 MAIN STREET WEST | CAVALIER | ND |
| 14 | 091308795 | 102 WEST MAIN STREET | MOHALL | ND |
| 15 | 091310929 | PO BOX 255 | FINLEY | ND |
| 16 | 091401919 | PO BOX 378 | ARLINGTON | SD |
| 17 | 091803889 | PO BOX 66 | CADOTT | WI |
| 18 | 091804833 | 620 MAIN STREET | LACROSSE | WI |
| 19 | 091807254 | PO BOX 247 | HUDSON | WI |
| 20 | 091904872 | 216 1ST AVENUE NE | HAYFIELD | MN |
| 21 | 091905295 | PO BOX 68 | WAVERLY | MN |
| 22 | 101101976 | PO BOX 360 | HIAWATHA | KS |
| 23 | 101102331 | 800 BROADWAY | MARYSVILLE | KS |
| 24 | 101102496 | P.O. BOX 128 | ELLSWORTH | KS |
| 25 | 101104096 | P O BOX 102 | GRIDLEY | KS |
| 26 | 101104355 | P.O. BOX 128 | ELLSWORTH | KS |
| 27 | 101104494 | 306 NORTH MAIN | CHENEY | KS |
| 28 | 101106379 | P O BOX 102 | GRIDLEY | KS |
| 29 | 101106913 | PO BOX 158 | MORLAND | KS |
| 30 | 101109156 | PO BOX 102 | GRIDLEY | KS |
| 31 | 101111348 | 921 AVE E | WISNER | NE |
| 32 | 101111351 | P O BOX 728 | HUGOTON | KS |
| 33 | 101113799 | P O BOX 38 | WOODBINE | KS |
| 34 | 102103258 | BOX A | OURAY | CO |
| 35 | 103103105 | 402 W. BDWY | OKEMAH | OK |
| 36 | 104103683 | 921 AVENUE E | WISNER | NE |
| 37 | 104106509 | 921 AVE E | WISNER | NE |
| 38 | 104902127 | 921 AVE E | WISNER | NE |
| 39 | 104902392 | 921 AVE E | WISNER | NE |
| 40 | 111321856 | 111 SOUTH ROBINSON | MILES | TX |
| 41 | 111322402 | BOX 120 | ANTON | TX |
| 42 | 111907775 | 1330 W COMMERCE STREET | BUFFALO | TX |
| 43 | 111908965 | 1330 W COMMERCE STREET | BUFFALO | TX |
| 44 | 111909993 | P.O. BOX 7020 | TYLER | TX |
| 45 | 111918230 | 1330 W COMMERCE STREET | BUFFALO | TX |
| 46 | 113104275 | 222 MAIN STREET | SEALY | TX |
| 47 | 113110641 | P O BOX 1190 | GANADO | TX |
| 48 | 113110816 | P O BOX 500 | CORRIGAN | TX |
| 49 | 113112995 | BOX 518 | SOMERVILLE | TX |
| 50 | 113118342 | 300 N HOME STREET | CORRIGAN | TX |
| 51 | 113119105 | 102 WEST BLUFF ST | WOODVILLE | TX |
| 52 | 114907633 | P O BOX 988 | ROMA | TX |
| 53 | 114916488 | 200 S MAGNOLIA AVE | LULING | TX |
ACH US Routing Number – CITIZENS STATE BANK
What is an ACH Routing Number?
An ACH routing number is a 9-digit code that identifies the financial institution from which a payment will be electronically withdrawn or deposited. ACH stands for “Automated Clearing House,” which is an electronic network used to process large volumes of credit and debit transactions in batches.
ACH routing numbers are primarily used for direct deposits, online bill payments, and other electronic funds transfers in the United States. The routing number provides instructions for where the transaction needs to be directed so that the funds can be deposited or withdrawn from the correct bank account.
Purpose of ACH Routing Numbers
ACH routing numbers serve the essential purpose of directing ACH transactions to the appropriate financial institution and bank account.
Here are some key reasons why ACH routing numbers are required:
- They ensure that payments and funds transfers are processed accurately and timely.
- They enable electronic payments and funds transfers to be handled efficiently without error.
- They allow companies and individuals to securely transfer funds electronically between accounts and avoid issues like lost checks.
- They help financial institutions identify and validate the origin of funds being transferred.
Overall, ACH routing numbers act as a critical address directory to route transactions through the ACH network quickly and securely.
Structure of ACH Routing Numbers
All ACH routing numbers follow a specific structure:
- The first 8 digits identify the financial institution.
- The 9th digit is a check digit to validate the routing number.
- The format is always a 9-digit numeric code, such as 071108106.
The routing number is also sometimes referred to as the ABA routing number or RTN. ABA stands for the American Bankers Association, which assigns the routing numbers.
How to Find the ACH Routing Number for CITIZENS STATE BANK
The ACH routing number for CITIZENS STATE BANK is 071108106.
This 9-digit ACH routing number can be found by:
- Checking the direct deposit instructions or account details on the CITIZENS STATE BANK website.
- Looking at the bottom left corner of a check from CITIZENS STATE BANK.
- Contacting the branch directly to inquire about the ACH routing number.
- Using the ABA routing number lookup tool on the Federal Reserve’s website.
To confirm the validity of the routing number, it can be verified using the Federal Reserve’s ABA routing number checking tool.
Uses of CITIZENS STATE BANK’s ACH Routing Number
CITIZENS STATE BANK’s routing number can be used to process a variety of electronic funds transfers:
Making Electronic Funds Transfers
The ACH routing number is required to wire funds or make account transfers to a CITIZENS STATE BANK account online via another bank or funds transfer service. Providing the correct ACH routing number ensures the money will be deposited into the proper CITIZENS STATE BANK account.
Setting Up Direct Deposit
Providing CITIZENS STATE BANK’s ACH routing number to an employer or other payer enables direct deposit of wages, Social Security benefits, or other payments into a checking or savings account with the bank. Including the routing number helps automate deposits quickly and securely.
Paying Bills Online
CITIZENS STATE BANK’s routing number can be used to pay bills directly from a CITIZENS STATE BANK checking account to companies and service providers that accept online/electronic payments. The ACH routing number facilitates the electronic transfer of funds.
Checking the Validity of the Routing Number
To confirm that you have the correct ACH routing number for CITIZENS STATE BANK, it is advisable to validate the 9-digit code before using it for any financial transactions.
Using the ABA Routing Number Check Online Tool
The Federal Reserve has an ABA Routing Number Check service on their website that can instantly validate the routing number. All you need to do is enter the 9-digit code and it will verify whether it is currently a valid routing number and match it to the financial institution.
Checking on the Federal Reserve Financial Services Website
You can also find CITIZENS STATE BANK’s routing number on the official list provided on the Federal Reserve Financial Services website. This can help you cross-check and confirm the accuracy of the routing number.
Validating the routing number beforehand provides an additional layer of protection against routing errors and helps avoid potential delays or issues with electronic funds transfers.
Errors to Avoid with Routing Numbers
When working with ACH routing numbers, it is essential to avoid common errors like:
Transposing Numbers
Double check that the routing number has the correct sequence of digits, without any transpositions. Something as minor as switching the order of two digits in the routing number can result in a payment error.
Using the Wrong Routing Number Type
Some financial institutions may have different routing numbers for incoming and outgoing payments. Be sure to use the appropriate routing number type required for the electronic transfer.
Taking precautions to avoid typos or mistakes with the ACH routing number will help payments reach CITIZENS STATE BANK accounts accurately and securely.
Frequently Asked Questions about ACH Routing Numbers
What if I don’t have a check from CITIZENS STATE BANK? Can I still find the routing number?
Yes, you can get the routing number directly from CITIZENS STATE BANK by calling them or visiting a branch. It will also be available on their website for any online banking customers.
Can I use the same routing number for checks and electronic transfers?
In most cases, yes. Bank routing numbers are usually the same for checks and ACH transactions from the same financial institution. However, some banks have separate wire transfer routing numbers.
What happens if I enter the wrong routing number for an electronic payment?
The transaction will likely get rejected and not go through if the routing number does not match the destination bank. Any funds transferred could get lost or significantly delayed.
Where is the routing number located on checks?
ACH routing numbers are always found on the bottom left corner of checks, after the account number and before the check number.
Is there a way to validate a routing number without a check?
Yes, you can easily verify routing numbers using the Federal Reserve’s online ABA Routing Number Check program as well as checking bank websites directly.
Conclusion
In summary, ACH routing numbers like the one for CITIZENS STATE BANK are essential for sending and receiving electronic payments smoothly and securely. By understanding what the 9-digit code signifies, the structure, finding the correct number for your bank, common uses, and ways to validate the accuracy, you can avoid mistakes when processing electronic funds transfers. Double-checking the routing number before initiating any financial transactions provides peace of mind that your money will end up in the right place.
FAQs
Q: What is the quickest way to find the ACH routing number for my specific bank?
A: The fastest way is to look on your bank’s website or contact them directly by phone or visit a local branch. Your bank will have their routing number readily available.
Q: If I am setting up direct deposit to my account, where do I need to provide the routing number?
A: You will need to give the ACH routing number for your bank to your employer or the payer to include when they setup transmitting the automated direct deposit.
Q: What happens if I submit an online payment with the wrong routing number?
A: The transaction will likely get rejected if the routing number does not match the destination financial institution. Any funds could get lost or significantly delayed in reaching the intended recipient.
Q: Can routing numbers change for financial institutions?
A: Yes, periodically routing numbers can be altered by the ABA when banks merge or for other reasons. If initiating a payment, always verify you have the most up-to-date, valid routing number.
Q: If I am checking routing numbers using the Federal Reserve tool, what details should match?
A: When validating a routing number using the Federal Reserve checker, the name of the financial institution, city, and state should all match with what is expected. This helps confirm accuracy.