HEARTLAND CREDIT UNION Routing Number 271189446 — SPRINGFIELD, IL

About Routing Number 271189446 — HEARTLAND CREDIT UNION

Routing number 271189446 is the official 9-digit ABA routing number registered to HEARTLAND CREDIT UNION at 2213 WEST WHITE OAKS DRIVE, SPRINGFIELD, IL 62704. 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 271189446

The 9-digit number 271189446 is structured in three segments: 2711 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 HEARTLAND CREDIT UNION's transactions. 8944 is the ABA institution identifier — four digits assigned by the American Bankers Association uniquely to HEARTLAND CREDIT UNION. 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 271189446

• Direct Deposit — Payroll and Government Payments: Provide routing number 271189446 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 271189446 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 HEARTLAND CREDIT UNION personal check in SPRINGFIELD — the first 9-digit sequence in the MICR line.
• Domestic Wire Transfers via Fedwire: Confirm with HEARTLAND CREDIT UNION whether 271189446 applies to wires — many banks use a separate wire routing number. Fedwire settles same-day in real time.

What 271189446 Cannot Be Used For

• International wire transfers — require a SWIFT/BIC code. Find HEARTLAND CREDIT UNION'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 271189446 Is Correct

Before using 271189446 for a large ACH or wire transfer, verify it three ways: (1) Check the bottom-left of a HEARTLAND CREDIT UNION personal check — the routing number must match. (2) Log into HEARTLAND CREDIT UNION 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 HEARTLAND CREDIT UNION routing numbers in IL 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.