ACH US Routing Number – UNITED BANK & CAPITAL TRUST COMPANY
| Routing Number | Address | City | State | |
| 1 | 042101404 | SUITE ONE | VERSAILLES | KY |
| 2 | 042102018 | 102 BYPASS PLAZA | FRANKFORT | KY |
| 3 | 042102335 | 102 BYPASS PLAZA | FRANKFORT | KY |
| 4 | 042102555 | 102 BYPASS PLAZA | FRANKFORT | KY |
| 5 | 061308770 | 102 BYPASS PLAZA | FRANKFORT | KY |
| 6 | 083900619 | 102 BYPASS PLAZA | FRANKFORT | KY |
| 7 | 083901100 | 102 BYPASS PLAZA | FRANKFORT | KY |
| 8 | 083901650 | 102 BYPASS PLAZA | FRANKFORT | KY |
| 9 | 083901825 | 102 BYPASS PLAZA | FRANKFORT | KY |
| 10 | 083908420 | 102 BYPASS PLAZA | FRANKFORT | KY |
ACH US Routing Number – UNITED BANK & CAPITAL TRUST COMPANY
An ACH routing number is a 9-digit code that identifies the financial institution from which a payment will be electronically withdrawn or deposited. Routing numbers are critical for the proper processing of various electronic financial transactions in the United States, especially for direct deposits, wire transfers, and online bill payments. In this article, we will discuss what an ACH routing number is, provide an overview of UNITED BANK & CAPITAL TRUST COMPANY, and cover the company’s routing number and how it can be used.
What is an ACH Routing Number
An ACH routing number, also known as an ABA routing number or RTN, is a 9-digit code assigned to every banking and financial institution in the United States that engages in electronic movement of money. The routing number serves to identify the bank on which the payment is drawn and enables the electronic transfer of the funds.
Routing numbers are administered by the American Bankers Association and thus are also referred to as ABA routing numbers. Every valid routing number is registered with the ABA, allowing for unique identification of the financial institution.
Components of a Routing Number
ACH routing numbers consist of three components:
Federal Reserve Routing Symbol
The first 4 digits identify the Federal Reserve Bank through which the financial institution clears transactions.
ABA Institution Identifier
The next 4 digits indicate the specific banking institution involved in the transaction.
Check Digit
The last digit is a checksum number that validates the accuracy of the routing number.
About UNITED BANK & CAPITAL TRUST COMPANY
UNITED BANK & CAPITAL TRUST COMPANY is a state nonmember bank providing a range of financial services to individuals and businesses. It is headquartered in Katy, TX and has been FDIC insured since 2005. Some of the services offered by the bank include checking and savings accounts, money market accounts, retirement accounts, business banking, lending, and more.
UNITED BANK & CAPITAL TRUST COMPANY Routing Number
The routing number assigned to UNITED BANK & CAPITAL TRUST COMPANY is 055002368 is an example (see table above for accurate ACH Routing Number)
This 9-digit ABA routing number is used to identify electronic financial transactions that are routed through UNITED BANK & CAPITAL TRUST COMPANY. It is a unique sequence of digits assigned specifically to this bank in Katy, TX.
Uses of UNITED BANK & CAPITAL TRUST COMPANY Routing Number
The 9 digit code like a format 055002368 routing number serves multiple purposes:
- It allows for direct deposits of paychecks, tax refunds, and other funds into one’s checking or savings account with UNITED BANK & CAPITAL TRUST COMPANY.
- It enables wire transfers between UNITED BANK & CAPITAL TRUST COMPANY accounts and accounts at other banks.
- It allows for seamless online bill payments from a UNITED BANK & CAPITAL TRUST COMPANY account.
- It is used for tax payments made electronically from a UNITED BANK & CAPITAL TRUST COMPANY account.
- It facilitates ACH transfers like payments for loans, credit cards, utilities, and other services.
Having the correct routing number helps quickly and accurately process all these electronic transactions.
How to Find the Routing Number
UNITED BANK & CAPITAL TRUST COMPANY’s routing number can be found in a few places:
- At the bottom left corner of checks issued by UNITED BANK & CAPITAL TRUST COMPANY accounts.
- On the bank’s website – usually under the Contact Us or About Us sections.
- Official ABA routing number directory – lists valid routing numbers of all financial institutions.
- Printed monthly account statements also display the routing number.
Being aware of these sources can help access the right routing number easily.
Routing Number Vs Account Number
It’s important not to confuse routing numbers and account numbers:
- The routing number identifies the bank and enables electronic transfers.
- The account number identifies the individual account at the specific bank.
While electronic transactions require both numbers, it’s essential to have the right routing number input to direct funds properly to one’s account.
Security Measures for ACH Transactions
Security is a top priority when it comes to financial transactions. United Bank & Capital Trust Company employs robust security measures to protect your ACH transactions. It’s crucial to follow best practices like safeguarding your account information and monitoring your transactions regularly.
Conclusion
In summary, the ACH routing number 055002368 is an example (see table above for accurate ACH Routing Number) is specifically assigned to UNITED BANK & CAPITAL TRUST COMPANY located in Katy, TX. It serves to facilitate various electronic financial transactions like direct deposits, wire transfers, and bill payments. Having the correct 9-digit UNITED BANK & CAPITAL TRUST COMPANY routing number helps securely process payments and transfers to and from accounts at this bank.
FAQs
What is a wire transfer?
A wire transfer is an electronic transfer of funds initiated by one person or entity to directly transfer funds to another person or entity. It allows for a faster transfer of large sums of money compared to an ACH transfer.
How can I get a routing number?
Routing numbers can be obtained from the bottom of checks, bank account statements, bank websites, or the official ABA routing number directory. The routing number is specific to each banking institution.
Is the routing number the same as the SWIFT code?
No, the routing number and SWIFT code are different identifiers, used for separate banking systems. Routing numbers are for domestic transfers in the United States, while SWIFT codes are used for international transfers between countries.
Can I use any routing number for transfers?
No, you must use the correct routing number assigned to your bank account for successful electronic funds transfers. Using an incorrect routing number can cause delays or errors in transactions.
What happens if I use the wrong routing number?
Providing an inaccurate routing number may result in delays, failed transfers, funds being sent to the wrong account, or returned payments. It is important to always verify and use the right routing number for your bank.