Regional & Community Banks — routing number directory
Regional and community banks operate under state charters and serve a defined geographic footprint — typically one to a handful of states. They often hold deeper local relationships, more flexible commercial-lending authority, and competitive deposit pricing compared with national brands. Most US bank charters fall into this category.
Largest regional & community banks by branch count
Browse regional & community banks by state
Each state-level page lists every institution in this category that has at least one FedACH-registered office in that state.
How regional & community banks use their routing numbers
Regional and community banks operate under state charters and serve a defined geographic footprint — typically one to a handful of states. They often hold deeper local relationships, more flexible commercial-lending authority, and competitive deposit pricing compared with national brands. Most US bank charters fall into this category. When you set up direct deposit, schedule a wire, or link an external account at one of these institutions, the same nine-digit ABA routing number identifies the bank within the US payments system — but the operational nuances differ from category to category.
Regional and community banks generally publish a single routing number that handles both ACH and wire transactions. The footprint is usually one to a handful of states, which means the routing number you see on your check is the same one a payroll department or external bank will use. Community banks often run on shared service-bureau platforms like FIS, Jack Henry, or Fiserv DNA, which means same-day ACH availability depends on the bureau's cutoff schedule rather than the bank's individual operations.
Verify before you send
Whichever category your bank falls into, confirm the routing number with the institution itself before sending a large or time-sensitive payment. The Federal Reserve does not penalize a bank for accepting a misrouted ACH or wire — the cost of fixing the mistake falls almost entirely on the sender. Cross-reference the number on this page with the one printed on your most recent paper check, the routing number shown inside your online banking dashboard, and the W-9 issued by your bank for tax purposes. All three should match.