Routing Number 272477500

Routing number 272477500 is assigned to Straits Area Federal Credit Union, a main office located at 201 Locust St, Cheboygan, Michigan 49721. This nine-digit ABA routing transit number identifies Straits Area 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 (27) indicate the Federal Reserve Bank of Unknown, digits 3-4 (24) identify the processing center, digits 5-8 (7750) 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 Straits Area Federal Credit Union, provide your employer with routing number 272477500 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 Straits Area 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 Straits Area Federal Credit Union, in the mobile app, or by calling 231-627-3145. 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 272477500 is registered for ACH transactions at Straits Area 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, Straits Area 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 Straits Area 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 Straits Area Federal Credit Union is located at 201 Locust St, Cheboygan, MI 49721. Straits Area 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.