Routing Number 096016985

Routing number 096016985 is assigned to Alerus Financial, N.a., a main office located at 2300 South Columbia Road, Grand Forks, North Dakota 58201. This nine-digit ABA routing transit number identifies Alerus Financial, N.a. 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 (60) identify the processing center, digits 5-8 (1698) 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 Alerus Financial, N.a., provide your employer with routing number 096016985 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 Alerus Financial, N.a.'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 Alerus Financial, N.a., in the mobile app, or by calling 701-795-3200. 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 096016985 is registered for ACH transactions at Alerus Financial, N.a., 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, Alerus Financial, N.a. 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 Alerus Financial, N.a. 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 Alerus Financial, N.a. is located at 2300 South Columbia Road, Grand Forks, ND 58201. Alerus Financial, N.a. operates in the Federal Reserve's Minneapolis district, which serves as the regional hub for monetary policy and payment processing in this area.