Routing Number 042102335

Routing number 042102335 is assigned to United Bank & Capital Trust Company, a main office located at 102 Bypass Plaza, Frankfort, Kentucky 40601. This nine-digit ABA routing transit number identifies United Bank & Capital Trust Company within the Federal Reserve's Cleveland district for processing ACH payments, direct deposits, wire transfers, and check clearing.

The first two digits (04) indicate the Federal Reserve Bank of Cleveland, digits 3-4 (21) identify the processing center, digits 5-8 (0233) 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 United Bank & Capital Trust Company, provide your employer with routing number 042102335 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 United Bank & Capital Trust Company'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 United Bank & Capital Trust Company, in the mobile app, or by calling 502-227-1671. 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 042102335 is registered for ACH transactions at United Bank & Capital Trust Company, 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, United Bank & Capital Trust Company 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 United Bank & Capital Trust Company 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 United Bank & Capital Trust Company is located at 102 Bypass Plaza, Frankfort, KY 40601. United Bank & Capital Trust Company operates in the Federal Reserve's Cleveland district, which serves as the regional hub for monetary policy and payment processing in this area.