Routing Number 042104401

Routing number 042104401 is assigned to Citizens National Bank, a main office located at Attn: Carolyn Sisco, Paintsville, Kentucky 41240. This nine-digit ABA routing transit number identifies Citizens National Bank 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 (0440) 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 Citizens National Bank, provide your employer with routing number 042104401 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 Citizens National 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 Citizens National Bank, in the mobile app, or by calling 606-789-4001. 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 042104401 is registered for ACH transactions at Citizens National 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, Citizens National 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 Citizens National 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 Citizens National Bank is located at Attn: Carolyn Sisco, Paintsville, KY 41240. Citizens National Bank operates in the Federal Reserve's Cleveland district, which serves as the regional hub for monetary policy and payment processing in this area.