Bank routing numbers in Cheboygan, Michigan
Below is every Federal Reserve FedACH-registered routing number for an institution with a street address in Cheboygan, Michigan. Click any routing number for the full institutional record.
| Routing # | Institution | Address | Phone |
|---|---|---|---|
| 0724-0221-2 | Citizens National Bank | P O Box 10 | (231) 627-7111 |
| 2724-7750-0 | Straits Area Federal Credit Union | 201 Locust St | (231) 627-3145 |
About banking in Cheboygan
Cheboygan, Michigan hosts the registered FedACH offices for 2 bank and credit union routing numbers. The list above includes the primary RTN for each registered office at a Cheboygan street address — typically a head office, an operations center, or a major retail branch through which a community institution clears its ACH and wire activity.
For most personal customers, the routing number tied to your account is the same number listed here as long as your account was opened at one of the institutions with a registered Cheboygan office. If you opened your account in another city or state, your routing number is tied to that location instead — moving to Cheboygan does not change the routing number on file with your bank.
Use the right number for the right payment
The routing numbers listed above support the standard ACH suite — direct deposit, automatic bill-pay, IRS tax refunds, Social Security payments, and external account linkage at brokerages and payment apps. For incoming Fedwire transfers, contact your specific bank to confirm the wire RTN, which can differ from the per-state ACH number for some larger institutions.
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