Routing Number 121182056

Routing number 121182056 is assigned to Beneficial State Bank, a main office located at Po Box 400, Ilwaco, Washington 98624. This nine-digit ABA routing transit number identifies Beneficial State Bank within the Federal Reserve's San Francisco district for processing ACH payments, direct deposits, wire transfers, and check clearing.

The first two digits (12) indicate the Federal Reserve Bank of San Francisco, digits 3-4 (11) identify the processing center, digits 5-8 (8205) 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 Beneficial State Bank, provide your employer with routing number 121182056 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 Beneficial 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 Beneficial State Bank, in the mobile app, or by calling 888-326-2265. 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 121182056 is registered for ACH transactions at Beneficial 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, Beneficial 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 Beneficial 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 Beneficial State Bank is located at Po Box 400, Ilwaco, WA 98624. Beneficial State Bank operates in the Federal Reserve's San Francisco district, which serves as the regional hub for monetary policy and payment processing in this area.