Routing Number 081519031

Routing number 081519031 is assigned to Heritage Bank Of The Ozarks, a main office located at 1475 S. Jefferson, Lebanon, Missouri 65536. This nine-digit ABA routing transit number identifies Heritage Bank Of The Ozarks 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 (1903) are the institution identifier, and the final digit (1) is a checksum that validates the entire number using the ABA's modulus-10 algorithm.

To set up direct deposit with Heritage Bank Of The Ozarks, provide your employer with routing number 081519031 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 Heritage Bank Of The Ozarks'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 Heritage Bank Of The Ozarks, in the mobile app, or by calling 417-532-2265. 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 081519031 is registered for ACH transactions at Heritage Bank Of The Ozarks, 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, Heritage Bank Of The Ozarks 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 Heritage Bank Of The Ozarks 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 Heritage Bank Of The Ozarks is located at 1475 S. Jefferson, Lebanon, MO 65536. Heritage Bank Of The Ozarks operates in the Federal Reserve's St. Louis district, which serves as the regional hub for monetary policy and payment processing in this area.