Routing Number 086314464

Routing number 086314464 is assigned to The Commerce Bank, a main office located at 320 Eagle Crest Dr. Ste B, Evansville, Indiana 47715. This nine-digit ABA routing transit number identifies The Commerce 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 (63) identify the processing center, digits 5-8 (1446) are the institution identifier, and the final digit (4) is a checksum that validates the entire number using the ABA's modulus-10 algorithm.

To set up direct deposit with The Commerce Bank, provide your employer with routing number 086314464 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 The Commerce 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 The Commerce Bank, in the mobile app, or by calling 812-492-1800. 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 086314464 is registered for ACH transactions at The Commerce 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, The Commerce 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 The Commerce 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 The Commerce Bank is located at 320 Eagle Crest Dr. Ste B, Evansville, IN 47715. The Commerce 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.