Routing Number 081000045

Routing number 081000045 is assigned to Federal Reserve Bank, a main office located at Po Box 291, Minneapolis, Minnesota 55480. This nine-digit ABA routing transit number identifies Federal Reserve Bank within the Federal Reserve's St. Louis district for processing ACH payments, direct deposits, wire transfers, and check clearing.

The first two digits (08) indicate the Federal Reserve Bank of St. Louis, digits 3-4 (10) identify the processing center, digits 5-8 (0004) 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 Federal Reserve Bank, provide your employer with routing number 081000045 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 Federal Reserve 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 Federal Reserve Bank, in the mobile app, or by calling 877-372-2457. 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 081000045 is registered for ACH transactions at Federal Reserve 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, Federal Reserve 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 Federal Reserve 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 Federal Reserve Bank is located at Po Box 291, Minneapolis, MN 55480. Federal Reserve Bank operates in the Federal Reserve's St. Louis district, which serves as the regional hub for monetary policy and payment processing in this area.