Routing Number 075900973

Routing number 075900973 is assigned to First Natl Bk & Tr Co, a main office located at 345 E Grand Ave, Beloit, Wisconsin 53511. This nine-digit ABA routing transit number identifies First Natl Bk & Tr Co 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 (59) identify the processing center, digits 5-8 (0097) are the institution identifier, and the final digit (3) is a checksum that validates the entire number using the ABA's modulus-10 algorithm.

To set up direct deposit with First Natl Bk & Tr Co, provide your employer with routing number 075900973 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 Natl Bk & Tr Co'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 Natl Bk & Tr Co, in the mobile app, or by calling 608-363-8000. 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 075900973 is registered for ACH transactions at First Natl Bk & Tr Co, 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 Natl Bk & Tr Co 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 Natl Bk & Tr Co 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 Natl Bk & Tr Co is located at 345 E Grand Ave, Beloit, WI 53511. First Natl Bk & Tr Co operates in the Federal Reserve's Chicago district, which serves as the regional hub for monetary policy and payment processing in this area.