Routing Number 221971264

Routing number 221971264 is assigned to Ulster Savings Bank, a main office located at 180 Schwenk Drive, Kingston, New York 12401. This nine-digit ABA routing transit number identifies Ulster Savings Bank 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 (19) identify the processing center, digits 5-8 (7126) are the institution identifier, and the final digit (4) is a checksum that validates the entire number using the ABA's modulus-10 algorithm.

To set up direct deposit with Ulster Savings Bank, provide your employer with routing number 221971264 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 Ulster Savings 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 Ulster Savings Bank, in the mobile app, or by calling 845-338-6322. 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 221971264 is registered for ACH transactions at Ulster Savings 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, Ulster Savings 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 Ulster Savings 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 Ulster Savings Bank is located at 180 Schwenk Drive, Kingston, NY 12401. Ulster Savings Bank operates in the Federal Reserve's Unknown district, which serves as the regional hub for monetary policy and payment processing in this area.