EXTRACO BANKS Routing Number 111905968 — TEMPLE, TX

About Routing Number 111905968 — EXTRACO BANKS

Routing number 111905968 is the official 9-digit ABA routing number registered to EXTRACO BANKS at P O BOX 6101, TEMPLE, TX 76503. 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 111905968

The 9-digit number 111905968 is structured in three segments: 1119 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 EXTRACO BANKS's transactions. 0596 is the ABA institution identifier — four digits assigned by the American Bankers Association uniquely to EXTRACO BANKS. 8 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 111905968

• Direct Deposit — Payroll and Government Payments: Provide routing number 111905968 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 111905968 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 EXTRACO BANKS personal check in TEMPLE — the first 9-digit sequence in the MICR line.
• Domestic Wire Transfers via Fedwire: Confirm with EXTRACO BANKS whether 111905968 applies to wires — many banks use a separate wire routing number. Fedwire settles same-day in real time.

What 111905968 Cannot Be Used For

• International wire transfers — require a SWIFT/BIC code. Find EXTRACO BANKS'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 111905968 Is Correct

Before using 111905968 for a large ACH or wire transfer, verify it three ways: (1) Check the bottom-left of a EXTRACO BANKS personal check — the routing number must match. (2) Log into EXTRACO BANKS 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 EXTRACO BANKS routing numbers in TX 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.