ACH US Routing Number – XENITH BANK
| Routing Number | Address | City | State | |
| 1 | 051008996 | 112 CORPORATE DRIVE | ELIZABETH CITY | NC |
| 2 | 051009364 | 112 CORPORATE DRIVE | ELIZABETH CITY | NC |
| 3 | 051009649 | 112 CORPORTATE DRIVE | ELIZABETH CITY | NC |
| 4 | 051402204 | 112 CORPORATE DRIVE | ELIZABETH CITY | NC |
| 5 | 051405188 | 112 CORPORATE DRIVE | ELIZABETH CITY | NC |
| 6 | 051409184 | 112 CORPORATE DRIVE | ELIZABETH CITY | NC |
| 7 | 051409210 | 112 CORPORATE DRIVE | ELIZABETH CITY | NC |
| 8 | 053112246 | 112 CORPORATE DRIVE | ELIZABETH CITY | NC |
| 9 | 251472542 | 112 CORPORATE DRIVE | ELIZABETH CITY | NC |
| 10 | 253173661 | 112 CORPORATE DRIVE | ELIZABETH CITY | NC |
ACH US Routing Number – Xenith Bank
When setting up electronic or automatic payments, like direct deposits or automatic bill payments, you will need to provide the appropriate bank routing number. This identification number helps ensure that money transfers go to the right financial institution and account. For Xenith Bank, the ACH US routing number is List as Above.
In this article, we will look at what an ACH routing number is, the components of the 9 digit code, how to find Xenith Bank’s routing number, the uses and importance of routing numbers for electronic payments, and tips for verifying that you have the right routing number.
What is an ACH Routing Number?
An ACH routing number is a 9 digit code that identifies a financial institution for the purpose of electronic financial transactions in the United States. ACH stands for “Automated Clearing House,” which is the electronic network used by banks and credit unions to transfer money.
The ACH routing number serves to route payments to the correct bank accounts through the ACH network. It is sometimes also referred to as an ABA routing number or a transit routing number. Having the right routing number helps ensure smooth and accurate electronic money transfers.
Structure of a Routing Number
The 9 digit routing number is structured as follows:
- First 4 digits – Known as the Federal Reserve routing symbol, this identifies the bank’s Federal Reserve District and branch.
- Next 4 digits – This is the ABA institution identifier, which identifies the specific bank.
- Last digit – The final check digit allows computers to catch errors in the number.
Xenith Bank’s Routing Number
For Xenith Bank, the ABA institution identifier portion of the routing number is list as above. Therefore, the full 9 digit routing number is look like 061202265.
This is the number that should be used for setting up direct deposits, automatic payments, wire transfers, and other electronic transfers involving Xenith Bank accounts.
How to Find the Routing Number
There are a few ways to find the routing number for Xenith Bank or any other bank:
- On a check – The routing number will be the first 9 digit number printed on the bottom left of a check.
- Bank website – Most bank websites will indicate the routing number on a page about direct deposits, bill pay, wires, or account details.
- Contact the bank – You can call or visit a local branch to inquire about the routing number.
For people with Xenith Bank accounts, the simplest way is to check the routing number printed on a personal check or listed on the bank’s website.
Uses of an ACH Routing Number
Some common uses of bank routing numbers like Xenith Bank’s include:
- Setting up direct deposit – Provide employers or government agencies the routing number to set up automatic payroll or benefits deposits.
- Authorizing automatic payments – Utility companies, mortgage lenders, loan providers use bank routing numbers to withdraw automatic payments.
- Wires transfers – Needed for domestic or international wire money transfers.
- Other electronic transfers – Used for account-to-account transfers and other electronic payments.
Importance of Using the Correct Routing Number
It’s critical to use the right routing number for any bank when setting up electronic payments and transfers. Here’s why:
- Ensures money goes to the proper account – The routing number directs funds to the correct bank and account number.
- Avoids delays – Wrong numbers could delay the receipt of money, like direct deposits.
- Prevents misdirected payments – Incorrect routing could result in money going to other accounts.
- Reduces fraud – Proper routing helps verify valid accounts and avoid scams.
Tips for Verifying Routing Numbers
To avoid mistakes, here are some tips for double checking routing numbers:
- Check digits carefully – Transcription errors with the digits are common.
- Confirm with the bank – Call or contact the bank to validate the number.
- Use multiple sources – Cross-check numbers listed on checks, bank websites, statements, etc.
Verifying the accuracy of routing numbers before initiating any electronic payments or transfers helps protect your money.
Xenith Bank Information
Xenith Bank is a regional bank headquartered in Richmond, Virginia. They operate over 50 branch locations throughout Virginia and Maryland.
Founded in 2004, Xenith Bank provides banking services to individuals, families, businesses, and non-profits. They offer checking, savings, CDs, IRAs, credit cards, mortgages, commercial banking, and other financial products.
Conclusion
In summary, routing numbers like Xenith Bank’s 061202265 are important for facilitating electronic payments and money transfers. Taking the time to properly find and verify your bank’s routing number helps ensure transactions occur smoothly and securely. Understanding the uses and following tips like cross-checking sources can prevent costly errors or misdirected transfers.
FAQ
What is the simplest way to find my bank’s routing number?
The easiest way to find your bank’s routing number is to look at the bottom left corner of your printed checks, where the first 9 digits will be the routing number. You can also find it on your bank’s website or by contacting them directly.
Can I use the same routing number for different banks?
No, you cannot use the same routing number for different banks. Each banking institution has its own unique 9 digit routing number used to identify incoming electronic transfers.
Do I need to include anything else besides the routing number for direct deposits?
Yes, for direct deposits you will also need to provide the account number where you want the money deposited in addition to the bank routing number. Both the account number and routing number are essential.
Is a routing number the same as a SWIFT code?
No, a SWIFT code is different than a routing number. A SWIFT code is used to identify specific banks for international wire transfers, while a routing number identifies banks for domestic transfers.
Can I find my routing number on a mobile or online bank statement?
Yes, many mobile and online bank statements display the full routing number. Just look for the string of 9 digits, typically towards the end of the statement. This can provide another way to find and confirm your number.