COMMUNITY FIRST BANKING COMPANY Routing Number 086518765 — WEST PLAINS, MO

About Routing Number 086518765 — COMMUNITY FIRST BANKING COMPANY

Routing number 086518765 is the official 9-digit ABA routing number registered to COMMUNITY FIRST BANKING COMPANY at 1330 SOUTHERN HILLS CENTER, WEST PLAINS, MO 65775. 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 086518765

The 9-digit number 086518765 is structured in three segments: 0865 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 COMMUNITY FIRST BANKING COMPANY's transactions. 1876 is the ABA institution identifier — four digits assigned by the American Bankers Association uniquely to COMMUNITY FIRST BANKING COMPANY. 5 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 086518765

• Direct Deposit — Payroll and Government Payments: Provide routing number 086518765 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 086518765 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 COMMUNITY FIRST BANKING COMPANY personal check in WEST PLAINS — the first 9-digit sequence in the MICR line.
• Domestic Wire Transfers via Fedwire: Confirm with COMMUNITY FIRST BANKING COMPANY whether 086518765 applies to wires — many banks use a separate wire routing number. Fedwire settles same-day in real time.

What 086518765 Cannot Be Used For

• International wire transfers — require a SWIFT/BIC code. Find COMMUNITY FIRST BANKING COMPANY'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 086518765 Is Correct

Before using 086518765 for a large ACH or wire transfer, verify it three ways: (1) Check the bottom-left of a COMMUNITY FIRST BANKING COMPANY personal check — the routing number must match. (2) Log into COMMUNITY FIRST BANKING COMPANY 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 COMMUNITY FIRST BANKING COMPANY routing numbers in MO 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.