Routing Number 081000993

Routing number 081000993 is assigned to First State Bk St Charles, a main office located at 206 N. 5th Street, St Charles, Missouri 63301. This nine-digit ABA routing transit number identifies First State Bk St Charles 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 (0099) 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 State Bk St Charles, provide your employer with routing number 081000993 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 State Bk St Charles'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 State Bk St Charles, in the mobile app, or by calling 636-940-5555. 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 081000993 is registered for ACH transactions at First State Bk St Charles, 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 State Bk St Charles 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 State Bk St Charles 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 State Bk St Charles is located at 206 N. 5th Street, St Charles, MO 63301. First State Bk St Charles operates in the Federal Reserve's St. Louis district, which serves as the regional hub for monetary policy and payment processing in this area.