Routing Number 031101091

Routing number 031101091 is assigned to Cross Country Bank, a main office located at 601 Delaware Ave., Wilmington, Delaware 19801. This nine-digit ABA routing transit number identifies Cross Country Bank within the Federal Reserve's Philadelphia district for processing ACH payments, direct deposits, wire transfers, and check clearing.

The first two digits (03) indicate the Federal Reserve Bank of Philadelphia, digits 3-4 (11) identify the processing center, digits 5-8 (0109) are the institution identifier, and the final digit (1) is a checksum that validates the entire number using the ABA's modulus-10 algorithm.

To set up direct deposit with Cross Country Bank, provide your employer with routing number 031101091 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 Cross Country 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 Cross Country Bank, in the mobile app, or by calling 302-326-4200. 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 031101091 is registered for ACH transactions at Cross Country 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, Cross Country 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 Cross Country 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 Cross Country Bank is located at 601 Delaware Ave., Wilmington, DE 19801. Cross Country Bank operates in the Federal Reserve's Philadelphia district, which serves as the regional hub for monetary policy and payment processing in this area.