CROGHAN COLONIAL BANK Routing Number 041212433 — FREMONT, OH

About Routing Number 041212433 — CROGHAN COLONIAL BANK

Routing number 041212433 is the official 9-digit ABA routing number registered to CROGHAN COLONIAL BANK at 1225 EAST STATE STREET, FREMONT, OH 43420. 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 041212433

The 9-digit number 041212433 is structured in three segments: 0412 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 CROGHAN COLONIAL BANK's transactions. 1243 is the ABA institution identifier — four digits assigned by the American Bankers Association uniquely to CROGHAN COLONIAL BANK. 3 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 041212433

• Direct Deposit — Payroll and Government Payments: Provide routing number 041212433 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 041212433 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 CROGHAN COLONIAL BANK personal check in FREMONT — the first 9-digit sequence in the MICR line.
• Domestic Wire Transfers via Fedwire: Confirm with CROGHAN COLONIAL BANK whether 041212433 applies to wires — many banks use a separate wire routing number. Fedwire settles same-day in real time.

What 041212433 Cannot Be Used For

• International wire transfers — require a SWIFT/BIC code. Find CROGHAN COLONIAL 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 041212433 Is Correct

Before using 041212433 for a large ACH or wire transfer, verify it three ways: (1) Check the bottom-left of a CROGHAN COLONIAL BANK personal check — the routing number must match. (2) Log into CROGHAN COLONIAL 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 CROGHAN COLONIAL BANK routing numbers in OH 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.