Routing Number – GRANDPOINT BANK

	Routing Number	Address	City	State
1	122087590	SUITE 2400	LOS ANGELES	CA
2	122105566	4400 E BROADWAY #112	TUCSON	AZ
3	122105676	6400 N ORACLE	TUCSON	AZ
4	122203507	SUITE 2400	LOS ANGELES	CA
5	122243172	#2400	LOS ANGELES	CA
6	122243321	SUITE 2400	LOS ANGELES	CA
7	122243648	SUITE 2400	LOS ANGELES	CA
8	122243978	355 SO GRAND AVE # 2400	LOS ANGELES	CA
9	122244566	SUITE 2400	LOS ANGELES	CA
10	322285833	355 SO GRAND AVE # 2400	LOS ANGELES	CA

ACH US Routing Number – GRANDPOINT BANK

What is an ACH Routing Number?

An ACH routing number is a 9-digit code that identifies the financial institution from which a transfer should be debited or deposited. It allows for the electronic transfer of funds directly between banks through the ACH (Automated Clearing House) network. The routing number helps route the payment or collection to the correct bank account.

Overview of Grandpoint Bank

Grandpoint Bank is a community bank based in Los Angeles, CA with branches across Southern California. They provide a full range of banking services for individuals and businesses, including checking and savings accounts, loans, credit cards, and more. One of the services they offer is ACH transfers, which require the use of their specific routing number.

What is the ACH Routing Number for Grandpoint Bank?

Grandpoint Bank’s ACH Routing Number

The ACH routing number for Grandpoint Bank appear as 322285833

This 9-digit code uniquely identifies Grandpoint Bank and enables the routing of ACH transfers to and from accounts held at Grandpoint Bank. It should be used for setting up direct deposits or withdrawals to Grandpoint Bank accounts.

Where to find the routing number

The ACH routing number can be found at the bottom of checks issued by Grandpoint Bank. It is the set of numbers after the account number and before the check number.

The routing number can also be obtained by contacting Grandpoint Bank directly, either in-person at a branch or through customer service phone or online. It may also be printed on monthly account statements.

How ACH Transfers Work

The role of the routing number in ACH transfers

The routing number serves a crucial function in ACH transfers. It tells the ACH network where to direct the funds – which financial institution and account to deposit into or debit from.

Without the correct routing number, the transfer cannot be processed properly. The routing number essentially acts as the address for the bank account.

Types of ACH transfers

ACH transfers can facilitate a variety of automatic payments and collections:

Direct deposit of paychecks or benefits into a checking or savings account
Automatic bill payments to utilities, loans, or other service providers
Transfers between accounts at different banks
Debit card or e-check payments directly from a bank account
Tax refunds or other funds deposited directly into an account
Business-to-business payments like supplier invoices

Using the routing number to make deposits and withdrawals

To set up direct deposit into a Grandpoint Bank checking account, the payer needs Grandpoint’s routing number along with the recipient’s account number. This allows the payer to seamlessly deposit funds into the account.

To pay bills using Grandpoint Bank’s online bill pay or transfer money to another bank, the routing number identifies where the money should be withdrawn from. The payer provides Grandpoint’s routing number along with their Grandpoint account number.

Benefits of Using Grandpoint Bank’s ACH Services

Convenience and efficiency

ACH transfers allow customers to easily automate their routine payments and money transfers. Payments can be scheduled in advance and occur automatically on set dates without having to manually make deposits or payments each time.

Security

ACH transactions are secure and protected by encryption technology and authentication procedures. This makes them safer than sending cash or paper checks in the mail.

Cost savings

ACH transfers are inexpensive compared to paper checks, wire transfers, or card payments. Grandpoint Bank offers many ACH services to account holders at no extra charge. This saves money compared to check or money order fees.

Tips for Managing Your Grandpoint Bank ACH Transfers

Check your statements regularly

Review bank statements frequently to ensure all ACH transfers coming in or going out reflect the correct dates and amounts. Watch for any unauthorized activity.

Set up alerts

Set up text or email alerts from Grandpoint Bank to be notified whenever an ACH transfer occurs, allowing you to monitor account activity closely.

Utilize fraud protections

Take advantage of Grandpoint Bank’s verification procedures, account monitoring, and fraud protections to keep ACH transactions secure. Report any suspicious activity right away.

Maintain accurate records

Keep detailed records of any people or companies authorized to debit or credit your account using the routing number. Update this info if circumstances change.

Frequently Asked Questions

What happens if I use the wrong routing number?

If the wrong routing number is entered, the ACH transfer will fail and the funds will not be transferred. Any debits will not go through. Notify the originator to send using the correct routing number.

Are there fees associated with ACH transfers?

Grandpoint Bank does not charge account holder fees for incoming or outgoing ACH transfers. However, outside banks receiving transfers may charge a fee – check with them.

How long do ACH transfers take?

Transfers are typically completed within 1-2 business days but can take up to 4 days depending on circumstances. Debits take slightly longer than credits.

How do I change or cancel an ACH transfer?

Contact Grandpoint Bank as soon as possible to stop a future-dated or recurring ACH transfer. Changes should be requested at least 3 days before the scheduled date.

Who do I contact for help with ACH transfers?

Reach out to Grandpoint Bank’s customer service center or your local branch to address any questions, issues, or concerns related to ACH transfers. They can provide assistance