Routing Number 021606742

Routing number 021606742 is assigned to Merchants Commercial Bank, a main office located at 4608 Tutu Park Mall, St Thomas, US Virgin Islands 00802. This nine-digit ABA routing transit number identifies Merchants 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 (16) identify the processing center, digits 5-8 (0674) are the institution identifier, and the final digit (2) is a checksum that validates the entire number using the ABA's modulus-10 algorithm.

To set up direct deposit with Merchants Commercial Bank, provide your employer with routing number 021606742 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 Merchants 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 Merchants Commercial Bank, in the mobile app, or by calling 340-779-2265. 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 021606742 is registered for ACH transactions at Merchants 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, Merchants 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 Merchants 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 Merchants Commercial Bank is located at 4608 Tutu Park Mall, St Thomas, VI 00802. Merchants 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.