Routing Number 221682540

Routing number 221682540 is assigned to St. Thomas Federal Credit Union, a main office located at #34b-35 Norre Gade, St. Thomas, US Virgin Islands 00804. This nine-digit ABA routing transit number identifies St. Thomas Federal Credit Union within the Federal Reserve's Unknown district for processing ACH payments, direct deposits, wire transfers, and check clearing.

The first two digits (22) indicate the Federal Reserve Bank of Unknown, digits 3-4 (16) identify the processing center, digits 5-8 (8254) are the institution identifier, and the final digit (0) is a checksum that validates the entire number using the ABA's modulus-10 algorithm.

To set up direct deposit with St. Thomas Federal Credit Union, provide your employer with routing number 221682540 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 St. Thomas Federal Credit Union'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 St. Thomas Federal Credit Union, in the mobile app, or by calling 340-774-9408. 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 221682540 is registered for ACH transactions at St. Thomas Federal Credit Union, 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, St. Thomas Federal Credit Union 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 St. Thomas Federal Credit Union 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 St. Thomas Federal Credit Union is located at #34b-35 Norre Gade, St. Thomas, VI 00804. St. Thomas Federal Credit Union operates in the Federal Reserve's Unknown district, which serves as the regional hub for monetary policy and payment processing in this area.