Routing Number 102003206

Routing number 102003206 is assigned to Cobiz Bank, a main office located at Ste 400, Denver, Colorado 80202. This nine-digit ABA routing transit number identifies Cobiz Bank within the Federal Reserve's Kansas City district for processing ACH payments, direct deposits, wire transfers, and check clearing.

The first two digits (10) indicate the Federal Reserve Bank of Kansas City, digits 3-4 (20) identify the processing center, digits 5-8 (0320) are the institution identifier, and the final digit (6) is a checksum that validates the entire number using the ABA's modulus-10 algorithm.

To set up direct deposit with Cobiz Bank, provide your employer with routing number 102003206 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 Cobiz 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 Cobiz Bank, in the mobile app, or by calling 303-312-3461. 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 102003206 is registered for ACH transactions at Cobiz 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, Cobiz 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 Cobiz 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 Cobiz Bank is located at Ste 400, Denver, CO 80202. Cobiz Bank operates in the Federal Reserve's Kansas City district, which serves as the regional hub for monetary policy and payment processing in this area.