Routing Number 072412435

Routing number 072412435 is assigned to First National Bank Of America, a main office located at 241 E Saginaw St, East Lansing, Michigan 48826. This nine-digit ABA routing transit number identifies First National Bank Of America 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 (24) identify the processing center, digits 5-8 (1243) are the institution identifier, and the final digit (5) is a checksum that validates the entire number using the ABA's modulus-10 algorithm.

To set up direct deposit with First National Bank Of America, provide your employer with routing number 072412435 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 National Bank Of America'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 National Bank Of America, in the mobile app, or by calling 517-351-2660. 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 072412435 is registered for ACH transactions at First National Bank Of America, 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 National Bank Of America 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 National Bank Of America 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 National Bank Of America is located at 241 E Saginaw St, East Lansing, MI 48826. First National Bank Of America operates in the Federal Reserve's Chicago district, which serves as the regional hub for monetary policy and payment processing in this area.