Routing Number 091305031

Routing number 091305031 is assigned to First International Bank & Trust, a main office located at 100 N Main St, Watford City, North Dakota 58854. This nine-digit ABA routing transit number identifies First International Bank & Trust within the Federal Reserve's Minneapolis district for processing ACH payments, direct deposits, wire transfers, and check clearing.

The first two digits (09) indicate the Federal Reserve Bank of Minneapolis, digits 3-4 (13) identify the processing center, digits 5-8 (0503) 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 First International Bank & Trust, provide your employer with routing number 091305031 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 International Bank & Trust'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 International Bank & Trust, in the mobile app, or by calling 701-232-1700. 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 091305031 is registered for ACH transactions at First International Bank & Trust, 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 International Bank & Trust 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 International Bank & Trust 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 International Bank & Trust is located at 100 N Main St, Watford City, ND 58854. First International Bank & Trust operates in the Federal Reserve's Minneapolis district, which serves as the regional hub for monetary policy and payment processing in this area.