Routing Number 053105936

Routing number 053105936 is assigned to Southern Bank & Trust Co, a main office located at P.o. Box 729, Mount Olive, North Carolina 28365. This nine-digit ABA routing transit number identifies Southern Bank & Trust Co 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 (31) identify the processing center, digits 5-8 (0593) are the institution identifier, and the final digit (6) is a checksum that validates the entire number using the ABA's modulus-10 algorithm.

To set up direct deposit with Southern Bank & Trust Co, provide your employer with routing number 053105936 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 Southern Bank & Trust Co'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 Southern Bank & Trust Co, in the mobile app, or by calling 919-658-7124. 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 053105936 is registered for ACH transactions at Southern Bank & Trust Co, 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, Southern Bank & Trust Co 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 Southern Bank & Trust Co 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 Southern Bank & Trust Co is located at P.o. Box 729, Mount Olive, NC 28365. Southern Bank & Trust Co operates in the Federal Reserve's Richmond district, which serves as the regional hub for monetary policy and payment processing in this area.