Routing Number 021582989

Routing number 021582989 is assigned to Cooperativa De A/c Ciales, a main office located at P.o. Box 1438, Ciales, Puerto Rico 00638. This nine-digit ABA routing transit number identifies Cooperativa De A/c Ciales 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 (15) identify the processing center, digits 5-8 (8298) 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 Cooperativa De A/c Ciales, provide your employer with routing number 021582989 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 Cooperativa De A/c Ciales'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 Cooperativa De A/c Ciales, in the mobile app, or by calling 787-871-1800. 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 021582989 is registered for ACH transactions at Cooperativa De A/c Ciales, 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, Cooperativa De A/c Ciales 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 Cooperativa De A/c Ciales 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 Cooperativa De A/c Ciales is located at P.o. Box 1438, Ciales, PR 00638. Cooperativa De A/c Ciales operates in the Federal Reserve's New York district, which serves as the regional hub for monetary policy and payment processing in this area.