Routing Number 021313925

Routing number 021313925 is assigned to Pioneer Commercial Bank, a main office located at 652 Albany Shaker Road, Albany, New York 12211. This nine-digit ABA routing transit number identifies Pioneer Commercial Bank within the Federal Reserve's New York district for processing ACH payments, direct deposits, wire transfers, and check clearing.

The first two digits (02) indicate the Federal Reserve Bank of New York, digits 3-4 (13) identify the processing center, digits 5-8 (1392) are the institution identifier, and the final digit (5) is a checksum that validates the entire number using the ABA's modulus-10 algorithm.

To set up direct deposit with Pioneer Commercial Bank, provide your employer with routing number 021313925 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 Pioneer Commercial Bank'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 Pioneer Commercial Bank, in the mobile app, or by calling 518-273-0539. 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 021313925 is registered for ACH transactions at Pioneer Commercial Bank, 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, Pioneer Commercial Bank 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 Pioneer Commercial Bank 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 Pioneer Commercial Bank is located at 652 Albany Shaker Road, Albany, NY 12211. Pioneer Commercial Bank operates in the Federal Reserve's New York district, which serves as the regional hub for monetary policy and payment processing in this area.