Routing Number 274974645

Routing number 274974645 is assigned to Kokomo Heritage Fcu, a main office located at 901 S Courtland Ave, Kokomo, Indiana 46901. This nine-digit ABA routing transit number identifies Kokomo Heritage Fcu 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 (49) identify the processing center, digits 5-8 (7464) are the institution identifier, and the final digit (5) is a checksum that validates the entire number using the ABA's modulus-10 algorithm.

To set up direct deposit with Kokomo Heritage Fcu, provide your employer with routing number 274974645 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 Kokomo Heritage Fcu'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 Kokomo Heritage Fcu, in the mobile app, or by calling 765-457-8209. 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 274974645 is registered for ACH transactions at Kokomo Heritage Fcu, 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, Kokomo Heritage Fcu 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 Kokomo Heritage Fcu 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 Kokomo Heritage Fcu is located at 901 S Courtland Ave, Kokomo, IN 46901. Kokomo Heritage Fcu operates in the Federal Reserve's Unknown district, which serves as the regional hub for monetary policy and payment processing in this area.