Routing Number 064109057

Routing number 064109057 is assigned to Heritage Bank & Trust, a main office located at 823 Nashville Hwy, Columbia, Tennessee 38401. This nine-digit ABA routing transit number identifies Heritage Bank & Trust 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 (0905) are the institution identifier, and the final digit (7) is a checksum that validates the entire number using the ABA's modulus-10 algorithm.

To set up direct deposit with Heritage Bank & Trust, provide your employer with routing number 064109057 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 & Trust'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 & Trust, in the mobile app, or by calling 931-388-1970. 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 064109057 is registered for ACH transactions at Heritage Bank & Trust, 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 & Trust 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 & Trust 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 & Trust is located at 823 Nashville Hwy, Columbia, TN 38401. Heritage Bank & Trust operates in the Federal Reserve's Atlanta district, which serves as the regional hub for monetary policy and payment processing in this area.