Routing Number 081518223

Routing number 081518223 is assigned to Town & Country Bank Midwest, a main office located at 524 N. 30th, Quincy, Illinois 62301. This nine-digit ABA routing transit number identifies Town & Country Bank Midwest 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 (1822) 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 Town & Country Bank Midwest, provide your employer with routing number 081518223 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 Town & Country Bank Midwest'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 Town & Country Bank Midwest, in the mobile app, or by calling 217-222-0015. 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 081518223 is registered for ACH transactions at Town & Country Bank Midwest, 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, Town & Country Bank Midwest 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 Town & Country Bank Midwest 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 Town & Country Bank Midwest is located at 524 N. 30th, Quincy, IL 62301. Town & Country Bank Midwest operates in the Federal Reserve's St. Louis district, which serves as the regional hub for monetary policy and payment processing in this area.