Routing Number 042107754

Routing number 042107754 is assigned to Heritage Bank, a main office located at 13447 Dixie Hwy, Walton, Kentucky 41094. This nine-digit ABA routing transit number identifies Heritage 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 (0775) are the institution identifier, and the final digit (4) is a checksum that validates the entire number using the ABA's modulus-10 algorithm.

To set up direct deposit with Heritage Bank, provide your employer with routing number 042107754 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 Heritage 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 Heritage Bank, in the mobile app, or by calling 859-448-4061. 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 042107754 is registered for ACH transactions at Heritage 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, Heritage 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 Heritage 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 Heritage Bank is located at 13447 Dixie Hwy, Walton, KY 41094. Heritage Bank operates in the Federal Reserve's Cleveland district, which serves as the regional hub for monetary policy and payment processing in this area.