Routing Number 081517732

Routing number 081517732 is assigned to Focus Bank, a main office located at Po Box 99, Charleston, Missouri 63834. This nine-digit ABA routing transit number identifies Focus 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 (15) identify the processing center, digits 5-8 (1773) 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 Focus Bank, provide your employer with routing number 081517732 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 Focus 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 Focus Bank, in the mobile app, or by calling 573-683-3712. 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 081517732 is registered for ACH transactions at Focus 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, Focus 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 Focus 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 Focus Bank is located at Po Box 99, Charleston, MO 63834. Focus 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.