Routing Number 064102436

Routing number 064102436 is assigned to Citizens Bank, a main office located at Po Box 100, Lafayette, Tennessee 37083. This nine-digit ABA routing transit number identifies Citizens Bank within the Federal Reserve's Atlanta district for processing ACH payments, direct deposits, wire transfers, and check clearing.

The first two digits (06) indicate the Federal Reserve Bank of Atlanta, digits 3-4 (41) identify the processing center, digits 5-8 (0243) 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 Citizens Bank, provide your employer with routing number 064102436 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 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 Bank, in the mobile app, or by calling 615-666-2195. 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 064102436 is registered for ACH transactions at Citizens 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 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 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 Bank is located at Po Box 100, Lafayette, TN 37083. Citizens Bank operates in the Federal Reserve's Atlanta district, which serves as the regional hub for monetary policy and payment processing in this area.