Routing Number 103112073

Routing number 103112073 is assigned to The Bank Of The West, a main office located at 101 S Main Street, Thomas, Oklahoma 73669. This nine-digit ABA routing transit number identifies The Bank Of The West 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 (1207) are the institution identifier, and the final digit (3) is a checksum that validates the entire number using the ABA's modulus-10 algorithm.

To set up direct deposit with The Bank Of The West, provide your employer with routing number 103112073 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 The Bank Of The West'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 The Bank Of The West, in the mobile app, or by calling 580-661-3541. 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 103112073 is registered for ACH transactions at The Bank Of The West, 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, The Bank Of The West 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 The Bank Of The West 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 The Bank Of The West is located at 101 S Main Street, Thomas, OK 73669. The Bank Of The West operates in the Federal Reserve's Kansas City district, which serves as the regional hub for monetary policy and payment processing in this area.