Routing Number 075907073

Routing number 075907073 is assigned to First National Bank & Trust Company, a main office located at 345 E Grand Ave, Beloit, Wisconsin 53511. This nine-digit ABA routing transit number identifies First National 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 (59) identify the processing center, digits 5-8 (0707) 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 National Bank & Trust Company, provide your employer with routing number 075907073 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 & 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 First National Bank & Trust Company, 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 075907073 is registered for ACH transactions at First National 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, First National 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 First National 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 First National Bank & Trust Company is located at 345 E Grand Ave, Beloit, WI 53511. First National 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.