Routing Number 103101929

Routing number 103101929 is assigned to First State Bank, a main office located at Box 540, Watonga, Oklahoma 73772. This nine-digit ABA routing transit number identifies First State 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 (31) identify the processing center, digits 5-8 (0192) are the institution identifier, and the final digit (9) is a checksum that validates the entire number using the ABA's modulus-10 algorithm.

To set up direct deposit with First State Bank, provide your employer with routing number 103101929 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 State 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 First State Bank, in the mobile app, or by calling 580-623-4945. 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 103101929 is registered for ACH transactions at First State 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, First State 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 First State 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 First State Bank is located at Box 540, Watonga, OK 73772. First State 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.