Routing Number 104103081

Routing number 104103081 is assigned to F& M Bank Atkinson Office, a main office located at 3405 N Louise Ave, Sioux Falls, South Dakota 57107. This nine-digit ABA routing transit number identifies F& M Bank Atkinson Office 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 (41) identify the processing center, digits 5-8 (0308) are the institution identifier, and the final digit (1) is a checksum that validates the entire number using the ABA's modulus-10 algorithm.

To set up direct deposit with F& M Bank Atkinson Office, provide your employer with routing number 104103081 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 F& M Bank Atkinson Office'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 F& M Bank Atkinson Office, in the mobile app, or by calling 605-334-2548. 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 104103081 is registered for ACH transactions at F& M Bank Atkinson Office, 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, F& M Bank Atkinson Office 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 F& M Bank Atkinson Office 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 F& M Bank Atkinson Office is located at 3405 N Louise Ave, Sioux Falls, SD 57107. F& M Bank Atkinson Office operates in the Federal Reserve's Kansas City district, which serves as the regional hub for monetary policy and payment processing in this area.