Routing Number 051500520

Routing number 051500520 is assigned to Optum Bank, Inc., a main office located at Po Box 271629, Salt Lake City, Utah 84127. This nine-digit ABA routing transit number identifies Optum Bank, Inc. within the Federal Reserve's Richmond district for processing ACH payments, direct deposits, wire transfers, and check clearing.

The first two digits (05) indicate the Federal Reserve Bank of Richmond, digits 3-4 (15) identify the processing center, digits 5-8 (0052) are the institution identifier, and the final digit (0) is a checksum that validates the entire number using the ABA's modulus-10 algorithm.

To set up direct deposit with Optum Bank, Inc., provide your employer with routing number 051500520 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 Optum Bank, Inc.'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 Optum Bank, Inc., in the mobile app, or by calling 801-963-6040. 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 051500520 is registered for ACH transactions at Optum Bank, Inc., 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, Optum Bank, Inc. 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 Optum Bank, Inc. 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 Optum Bank, Inc. is located at Po Box 271629, Salt Lake City, UT 84127. Optum Bank, Inc. operates in the Federal Reserve's Richmond district, which serves as the regional hub for monetary policy and payment processing in this area.