Routing Number 091910455

Routing number 091910455 is assigned to Stearns Bank National Assn, a main office located at 4140 Thielman Ln, Saint Cloud, Minnesota 56301. This nine-digit ABA routing transit number identifies Stearns Bank National Assn 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 (19) identify the processing center, digits 5-8 (1045) are the institution identifier, and the final digit (5) is a checksum that validates the entire number using the ABA's modulus-10 algorithm.

To set up direct deposit with Stearns Bank National Assn, provide your employer with routing number 091910455 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 Stearns Bank National Assn'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 Stearns Bank National Assn, in the mobile app, or by calling 320-253-6607. 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 091910455 is registered for ACH transactions at Stearns Bank National Assn, 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, Stearns Bank National Assn 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 Stearns Bank National Assn 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 Stearns Bank National Assn is located at 4140 Thielman Ln, Saint Cloud, MN 56301. Stearns Bank National Assn operates in the Federal Reserve's Minneapolis district, which serves as the regional hub for monetary policy and payment processing in this area.