Routing Number 064204347

Routing number 064204347 is assigned to First Tenn. Op. Cntr., a main office located at 3451 Prescott Rd, Memphis, Tennessee 38118. This nine-digit ABA routing transit number identifies First Tenn. Op. Cntr. 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 (42) identify the processing center, digits 5-8 (0434) 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 First Tenn. Op. Cntr., provide your employer with routing number 064204347 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 First Tenn. Op. Cntr.'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 First Tenn. Op. Cntr., in the mobile app, or by calling 901-542-7038. 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 064204347 is registered for ACH transactions at First Tenn. Op. Cntr., 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, First Tenn. Op. Cntr. 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 First Tenn. Op. Cntr. 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 First Tenn. Op. Cntr. is located at 3451 Prescott Rd, Memphis, TN 38118. First Tenn. Op. Cntr. operates in the Federal Reserve's Atlanta district, which serves as the regional hub for monetary policy and payment processing in this area.