CHEAHA BANK Routing Number 062206376 — OXFORD, AL

About Routing Number 062206376 — CHEAHA BANK

Routing number 062206376 is the official 9-digit ABA routing number registered to CHEAHA BANK at P.O. BOX 7575, OXFORD, AL 36203. It is registered with the American Bankers Association and the Federal Reserve E-Payments Routing Directory. This number is used exclusively within the US domestic payment system — for ACH transfers, direct deposits, check processing, and domestic wire transfers routed through Fedwire. It cannot be used for international transfers, which require a SWIFT/BIC code.

How to Read Routing Number 062206376

The 9-digit number 062206376 is structured in three segments: 0622 is the Federal Reserve routing symbol — the first two digits identify the Federal Reserve district and the next two identify the specific Federal Reserve processing office handling CHEAHA BANK's transactions. 0637 is the ABA institution identifier — four digits assigned by the American Bankers Association uniquely to CHEAHA BANK. 6 is the check digit — a single digit calculated from the first eight digits using a weighted sum formula (3-7-1 multipliers). Payment processing systems run this calculation in real time to catch routing number entry errors before any funds move.

ACH, Direct Deposit, and Wire — When to Use 062206376

• Direct Deposit — Payroll and Government Payments: Provide routing number 062206376 and your account number to set up payroll direct deposit, IRS tax refunds, Social Security, VA benefits, or any recurring government payment.
• ACH Transfers — Bill Payments and Bank Transfers: Enter 062206376 when authorising electronic debits or credits — utility bills, insurance premiums, subscription services, or bank-to-bank transfers via NACHA's ACH network.
• Check Payments: This routing number is printed at the bottom-left of every CHEAHA BANK personal check in OXFORD — the first 9-digit sequence in the MICR line.
• Domestic Wire Transfers via Fedwire: Confirm with CHEAHA BANK whether 062206376 applies to wires — many banks use a separate wire routing number. Fedwire settles same-day in real time.

What 062206376 Cannot Be Used For

• International wire transfers — require a SWIFT/BIC code. Find CHEAHA BANK's SWIFT code at the SWIFT Code Lookup.
• Indian bank transfers (NEFT, RTGS, IMPS, UPI) — require an IFSC code. Use the IFSC Code Lookup.
• Cheque clearing in India — requires a MICR code. Use the MICR Code Lookup.

How to Verify Routing Number 062206376 Is Correct

Before using 062206376 for a large ACH or wire transfer, verify it three ways: (1) Check the bottom-left of a CHEAHA BANK personal check — the routing number must match. (2) Log into CHEAHA BANK online banking under Account Details. (3) Cross-check against the Federal Reserve routing directory. BankZop sources all routing data from official ABA and Federal Reserve records as of Jun 2026.

Browse more CHEAHA BANK routing numbers in AL or across all states. For all US banks, visit the Routing Number Lookup. For international transfers, use the SWIFT Code Lookup. For loan EMI planning, try the EMI Calculator.