Routing Number 011402079

Routing number 011402079 is assigned to Optima Bank And Trust, a main office located at Two Harbour Place, Portsmouth, New Hampshire 03801. This nine-digit ABA routing transit number identifies Optima Bank And Trust within the Federal Reserve's Boston district for processing ACH payments, direct deposits, wire transfers, and check clearing.

The first two digits (01) indicate the Federal Reserve Bank of Boston, digits 3-4 (14) identify the processing center, digits 5-8 (0207) are the institution identifier, and the final digit (9) is a checksum that validates the entire number using the ABA's modulus-10 algorithm.

To set up direct deposit with Optima Bank And Trust, provide your employer with routing number 011402079 along with your account number. Your account number is separate from the routing number and can be found on the bottom of your checks (to the right of the routing number), in Optima Bank And Trust's mobile app, or in online banking under account details.

You can verify this routing number on the bottom-left corner of any check from Optima Bank And Trust, in the mobile app, or by calling 603-433-9600. Direct deposits using this routing number are processed through the Automated Clearing House (ACH) network and typically post within 1-2 business days.

Routing number 011402079 is registered for ACH transactions at Optima Bank And Trust, including direct deposits, bill payments, payroll, and recurring transfers. ACH payments are processed in batches through the Federal Reserve and typically settle in 1-2 business days.

For domestic wire transfers, Optima Bank And Trust may use a different routing number. Wire transfers are processed individually through the Fedwire system and settle same-day. Always confirm the correct wire routing number with Optima Bank And Trust before initiating a wire — using an ACH routing number for a wire can cause the transfer to be rejected or delayed.

This main office of Optima Bank And Trust is located at Two Harbour Place, Portsmouth, NH 03801. Optima Bank And Trust operates in the Federal Reserve's Boston district, which serves as the regional hub for monetary policy and payment processing in this area.