Routing Number 311973677

Routing number 311973677 is assigned to Citizens 1st Bank, a main office located at P.o. Box 227, Rusk, Texas 75785. This nine-digit ABA routing transit number identifies Citizens 1st Bank within the Federal Reserve's Unknown district for processing ACH payments, direct deposits, wire transfers, and check clearing.

The first two digits (31) indicate the Federal Reserve Bank of Unknown, digits 3-4 (19) identify the processing center, digits 5-8 (7367) are the institution identifier, and the final digit (7) is a checksum that validates the entire number using the ABA's modulus-10 algorithm.

To set up direct deposit with Citizens 1st Bank, provide your employer with routing number 311973677 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 Citizens 1st 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 Citizens 1st Bank, in the mobile app, or by calling 936-560-1401. 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 311973677 is registered for ACH transactions at Citizens 1st 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, Citizens 1st 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 Citizens 1st 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 Citizens 1st Bank is located at P.o. Box 227, Rusk, TX 75785. Citizens 1st Bank operates in the Federal Reserve's Unknown district, which serves as the regional hub for monetary policy and payment processing in this area.