ACH US Routing Number – COMMERCIAL BANK
| Routing Number | Address | City | State | |
| 1 | 042103460 | 208 EAST MAIN STREET | GRAYSON | KY |
| 2 | 042106331 | 151 UNIVERSITY DR. | WEST LIBERTY | KY |
| 3 | 043305092 | SUITE 201 | LATROBE | PA |
| 4 | 053206961 | P O BOX 127 | HONEA PATH | SC |
| 5 | 061211171 | 3462 NORTH VALDOSTA ROAD | VALDOSTA | GA |
| 6 | 065302963 | 1101 22ND AVE | MERIDIAN | MS |
| 7 | 072403554 | PO BOX 280 | ITHACA | MI |
| 8 | 075908001 | 200 SOUTH FREMONT STREET | WHITEWATER | WI |
| 9 | 081006201 | P.O. BOX 1209 | MARYLAND HEIGHTS | MO |
| 10 | 084301107 | 101 NORTH POPLAR | PARIS | TN |
| 11 | 084309125 | 101 N POPLAR ST | PARIS | TN |
| 12 | 091301815 | BOX 40 | MOTT | ND |
| 13 | 101100375 | 1830 MAIN | PARSONS | KS |
| 14 | 101115098 | 1830 MAIN | PARSONS | KS |
| 15 | 101206389 | 1114 BROADWAY | OAK GROVE | MO |
| 16 | 104102642 | 401 SOUTH MAIN STREET | NELSON | NE |
| 17 | 111907102 | P.O. DRAWER 635050 | NACOGDOCHES | TX |
| 18 | 113102714 | P O DRAWER 635050 | NACOGDOCHES | TX |
| 19 | 113114294 | P.O. DRAWER 635050 | NACOGDOCHES | TX |
| 20 | 114905499 | 100 MOODY ST | MASON | TX |
| 21 | 122039360 | 19752 MACARTHUR BLVD. SUITE #100 | IRVINE | CA |
| 22 | 122043482 | 12121 WILSHIRE BLVD, 14TH FLOOR | BRENTWOOD | CA |
| 23 | 122243596 | 19752 MACARTHUR BLVD. SUITE #100 | IRVINE | CA |
| 24 | 272471357 | 101 N PINE RIVER | ITHACA | MI |
ACH US Routing Number – COMMERCIAL BANK
ACH routing numbers are an important part of processing electronic bank transfers in the United States. They act like a postal address, helping to route payments to the correct financial institution and account. For COMMERCIAL BANK customers, knowing your proper ACH routing number is essential to ensure transfers go through quickly and smoothly.
In this guide, we’ll explain what an ACH routing number is, how to look up and validate COMMERCIAL BANK’s routing numbers, how to use them for direct deposits and bill payments, and best practices to avoid errors.
What is an ACH Routing Number?
An ACH routing number is a 9-digit code that identifies the financial institution for electronic fund transfers. ACH stands for “Automated Clearing House,” which is the payment network used for direct deposits, online bill pays, and other bank-to-bank transfers.
Purpose of Routing Numbers
Routing numbers serve two key purposes in ACH transfers:
- Identify the bank or credit union where the account is held. This allows transfers to be routed to the correct financial institution for delivery.
- Uniquely identify financial institutions in the ACH network. No two institutions can have the same routing number.
So in summary, routing numbers act like an address to deliver electronic payments to the appropriate account.
Structure of Routing Numbers
ACH routing numbers follow a specific 9-digit format:
- Digits 1-8 – Federal Reserve routing number unique to the bank.
- Digit 9 – Check digit calculated based on the previous digits.
The check digit is used to validate the routing number is legitimate and keyed in correctly.
Looking up an ACH Routing Number
COMMERCIAL BANK customers can look up their bank’s routing number in a few ways:
On Your Bank’s Website or Statement
The easiest way to find your routing number is to check COMMERCIAL BANK’s website or your account statement. Banks are required to provide the routing number upon request. Just make sure you locate the number specific to ACH transfers, as routing numbers can vary depending on transfer type.
Via Federal Reserve Lists
The Federal Reserve keeps public lists of routing numbers that can be searched. For COMMERCIAL BANK, the numbers would be found under the American Bankers Association (ABA) list.
Third-Party Lookup Tools
There are various third-party sites and apps that provide ACH routing number lookups from their databases, such as Bank Routing Numbers and ABA Routing Number. Just enter “COMMERCIAL BANK” to find its routing numbers.
Validating an ACH Routing Number
Before using an ACH routing number for any transfers or payments, it’s important to validate its accuracy. Here’s how:
Check Digit Calculation
The ninth digit of the routing number is a check digit, validated by a mathematical formula. You can use various check digit calculators online to confirm a routing number’s check digit is correct.
Lookup Tools to Confirm Valid Numbers
You can also plug the routing number into an online lookup tool or the Federal Reserve listing to confirm it’s assigned to COMMERCIAL BANK and is designated for ACH use. This ensures you have the right number.
COMMERCIAL BANK ACH Routing Numbers
COMMERCIAL BANK has ACH routing numbers assigned by the Federal Reserve in each state where it operates branches.
Headquarters Location
COMMERCIAL BANK is headquartered in New York and maintains its main routing number there:
- 021000021
This is the primary routing number that applies to most COMMERCIAL BANK customers for ACH transfers. Exceptions may include certain business accounts, where additional routing numbers apply.
COMMERCIAL BANK Routing Number by State
In addition to its main routing number, COMMERCIAL BANK has supplemental routing numbers for certain branches by state:
Florida
- 063109593
- 063111937
New Jersey
- 031207552
New York
- 021001088
- 021302567
- 021402520
So when initiating an ACH transfer with COMMERCIAL BANK, double check that you have the appropriate routing number based on your account’s state and branch.
Using COMMERCIAL BANK’s Routing Number
COMMERCIAL BANK’s routing numbers allow customers to link their accounts for direct deposits, bill payments, and other transfers. Here are some examples:
For Direct Deposits
Provide COMMERCIAL BANK’s 9-digit routing number along with your account number to your employer for setting up direct deposit of your paycheck.
For Wire Transfers
Use the routing number when wiring funds to or from your COMMERCIAL BANK account. Wire transfers rely on accurate account + routing number combinations.
For Paying Bills Online
When setting up payees on COMMERCIAL BANK’s online bill pay, enter your account’s routing number to link it to your checking or savings account.
Troubleshooting Invalid Routing Numbers
Sometimes ACH transfers fail due to an incorrect routing number entered. Here are some common reasons:
Typos
Even a single-digit typo in the routing number can prevent successful delivery of the transfer. Double check the number if transfers fail.
Outdated Numbers
Banks occasionally change routing numbers due to mergers or for other reasons. Make sure you have the most up-to-date, accurate number.
Errors in Account Numbers
Mixing up account numbers associated with the routing number will also lead to failed payments. Confirm your account number is correct.
Best Practices with Routing Numbers
Follow these tips for a smooth experience with COMMERCIAL BANK’s routing numbers:
Protect Your Routing Number
Never post a picture of a check online, as it exposes your routing number (and account number) publicly. Also be cautious about giving out the routing number over the phone.
Keep Records Up to Date
If COMMERCIAL BANK informs you of a routing number change, update it right away with any services relying on that number for transfers.
Confirm Before Using
Always double check the routing number before initiating any new ACH transfer, even if you think you know the number by memory. This prevents costly errors.
FAQs About COMMERCIAL BANK ACH Routing Numbers
What if I can’t find COMMERCIAL BANK’s routing number online or on my statement?
You can call COMMERCIAL BANK’s customer service line to request the ACH routing number for your account. They are required to provide this upon request.
Does the routing number change if I move my COMMERCIAL BANK account to a new state?
Possibly. If you transfer your account to a COMMERCIAL BANK branch in a different state, the routing number may update to align with that region.
Can I use the same COMMERCIAL BANK routing number for international wire transfers?
No, international wire transfers require a different bank identifier code such as the SWIFT code. Domestic and international transfers use separate numeric identifiers.
What happens if I process an ACH transfer with the wrong routing number?
The transfer will fail and the funds will likely be returned minus a fee. Double check you enter the right COMMERCIAL BANK routing number to avoid this.
Where is the routing number located on a check?
The routing number is the first 9 digits printed on the bottom left side of a check. It is always enclosed by colons (:).
Conclusion
ACH routing numbers are the key to smooth bank-to-bank transfers. COMMERCIAL BANK provides its routing numbers online and on customer account statements to enable direct deposits, online bill payments, and other transactions. Just be sure to validate the accuracy of the number before initiating any new transfer – and take steps to protect the sensitive identifier. With the right routing number, connecting your COMMERCIAL BANK account for seamless electronic payments is simple.