Routing Number 073901602

Routing number 073901602 is assigned to First Citizens National Bank, a main office located at 2601 Fourth St Sw, Mason City, Iowa 50401. This nine-digit ABA routing transit number identifies First Citizens National Bank 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 (39) identify the processing center, digits 5-8 (0160) are the institution identifier, and the final digit (2) is a checksum that validates the entire number using the ABA's modulus-10 algorithm.

To set up direct deposit with First Citizens National Bank, provide your employer with routing number 073901602 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 Citizens National 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 First Citizens National Bank, in the mobile app, or by calling 641-423-1600. 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 073901602 is registered for ACH transactions at First Citizens National 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, First Citizens National 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 First Citizens National 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 First Citizens National Bank is located at 2601 Fourth St Sw, Mason City, IA 50401. First Citizens National Bank operates in the Federal Reserve's Chicago district, which serves as the regional hub for monetary policy and payment processing in this area.