Routing Number 071908490

Routing number 071908490 is assigned to Heartland Bank & Trust Company, a main office located at Po Box 67, Bloomington, Illinois 61702. This nine-digit ABA routing transit number identifies Heartland Bank & Trust Company within the Federal Reserve's Chicago district for processing ACH payments, direct deposits, wire transfers, and check clearing.

The first two digits (07) indicate the Federal Reserve Bank of Chicago, digits 3-4 (19) identify the processing center, digits 5-8 (0849) 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 Heartland Bank & Trust Company, provide your employer with routing number 071908490 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 Heartland Bank & Trust Company'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 Heartland Bank & Trust Company, in the mobile app, or by calling 309-662-4444. 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 071908490 is registered for ACH transactions at Heartland Bank & Trust Company, 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, Heartland Bank & Trust Company 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 Heartland Bank & Trust Company 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 Heartland Bank & Trust Company is located at Po Box 67, Bloomington, IL 61702. Heartland Bank & Trust Company operates in the Federal Reserve's Chicago district, which serves as the regional hub for monetary policy and payment processing in this area.