HERITAGE BANK OF COMMERCE Routing Number SAN JOSE, CA

Q: How many routing numbers does HERITAGE BANK OF COMMERCE have in SAN JOSE, CA?

HERITAGE BANK OF COMMERCE has 5 routing numbers registered in SAN JOSE, CA with the American Bankers Association (ABA). Click any routing number above to view its complete details including bank name, address, ZIP code, and phone number.

Q: What is the HERITAGE BANK OF COMMERCE routing number in SAN JOSE, CA?

There are 5 HERITAGE BANK OF COMMERCE routing numbers in SAN JOSE, CA. Click the routing number above that corresponds to your account. If you are unsure which applies, check the bottom-left of a personal check — the routing number printed there is the one assigned to your specific account.

Q: What is the HERITAGE BANK OF COMMERCE SAN JOSE routing number used for?

The HERITAGE BANK OF COMMERCE routing number in SAN JOSE is required for: Direct deposit — payroll, IRS tax refunds, Social Security, VA benefitsACH transfers — online bill payments, electronic debits, bank transfersDomestic wire transfers — same-day settlement via Fedwire (may use a separate wire routing number)Check payments — printed at the bottom-left of every HERITAGE BANK OF COMMERCE personal checkACH debit authorisations — recurring payments to utilities, subscriptions, insurance

Q: Is the HERITAGE BANK OF COMMERCE SAN JOSE routing number the same for ACH and wire transfers?

Not necessarily. Many large banks maintain a separate routing number for domestic wire transfers from the one used for ACH payments and direct deposits. If you need to send or receive a wire transfer to a HERITAGE BANK OF COMMERCE account in SAN JOSE, always confirm the wire routing number directly with HERITAGE BANK OF COMMERCE's wire department. The routing number shown on BankZop is the ABA routing number on record — verify wire-specific numbers with the bank before initiating high-value wire transactions.

Q: How do I verify the HERITAGE BANK OF COMMERCE routing number for SAN JOSE?

You can verify your HERITAGE BANK OF COMMERCE SAN JOSE routing number three ways: (1) Use BankZop — the result page shows the routing number with full bank address and phone. (2) Check the bottom-left of any HERITAGE BANK OF COMMERCE personal check — the routing number is always the first 9-digit sequence in the MICR line. (3) Log into HERITAGE BANK OF COMMERCE online banking and navigate to Account Details. All data on BankZop is sourced from the ABA routing registry.

Q: Can I use the HERITAGE BANK OF COMMERCE SAN JOSE routing number for international transfers?

No. ABA routing numbers only work within the US domestic payment system (ACH, Fedwire). For international wire transfers to or from a HERITAGE BANK OF COMMERCE account in SAN JOSE, you need the bank's SWIFT/BIC code instead. Visit BankZop's SWIFT Code Lookup to find the correct SWIFT code for HERITAGE BANK OF COMMERCE international transfers.

Q: What format is the HERITAGE BANK OF COMMERCE SAN JOSE routing number?

All HERITAGE BANK OF COMMERCE routing numbers in SAN JOSE follow the standard 9-digit ABA routing number format: digits 1–2 identify the Federal Reserve district; digits 3–4 identify the Federal Reserve office; digits 5–8 are the ABA institution identifier for HERITAGE BANK OF COMMERCE; digit 9 is a mathematically calculated check digit. A routing number is always exactly 9 numeric digits — any other format is invalid.

Q: Where is the HERITAGE BANK OF COMMERCE routing number on a check for SAN JOSE accounts?

The HERITAGE BANK OF COMMERCE routing number for SAN JOSE accounts is printed at the bottom-left of every personal check in the MICR line. It is always the first 9-digit sequence, surrounded by transit symbols. The account number follows in the centre (varies in length), and the check number is on the right. Do not confuse the routing number (9 digits, leftmost) with the account number.

HERITAGE BANK OF COMMERCE Routing Numbers in SAN JOSE, CA

5 HERITAGE BANK OF COMMERCE routing numbers found in SAN JOSE, CA. Click any routing number to view full details — for ACH transfers, direct deposits, and wire payments.

Updated Jun 2026 HERITAGE BANK OF COMMERCE SAN JOSE, CA Live Data

HERITAGE BANK OF COMMERCE Routing Numbers in SAN JOSE, CA

HERITAGE BANK OF COMMERCE has 5 routing numbers registered in SAN JOSE, CA with the American Bankers Association (ABA) and the Federal Reserve E-Payments Routing Directory. Each 9-digit routing number uniquely identifies HERITAGE BANK OF COMMERCE's SAN JOSE processing location within the US payment network. BankZop sources all routing data directly from official ABA records — click any routing number above to view its full details and copy it instantly.

The HERITAGE BANK OF COMMERCE routing number for SAN JOSE, CA is used for setting up direct deposits, authorising ACH payments, initiating domestic wire transfers, and check processing. Always use the specific routing number assigned to the location where your account was opened.

What to Do After Finding the HERITAGE BANK OF COMMERCE SAN JOSE Routing Number

Direct deposit: Provide the 9-digit routing number along with your account number to your employer's payroll system, the IRS (for tax refunds), or any government benefit agency.
ACH bill payment: Enter the routing number when setting up electronic payments to utilities, insurance providers, or subscription services that debit your HERITAGE BANK OF COMMERCE account.
Wire transfer: Confirm with HERITAGE BANK OF COMMERCE's wire department whether this ABA routing number applies to wire transfers — many banks use a different wire routing number.
Check verification: Cross-check the routing number printed at the bottom-left of your HERITAGE BANK OF COMMERCE check against the number shown here to confirm accuracy.

Why HERITAGE BANK OF COMMERCE May Have Multiple Routing Numbers in SAN JOSE

HERITAGE BANK OF COMMERCE has 5 routing numbers in SAN JOSE because large US banks sometimes maintain multiple routing numbers within the same city — assigned to different processing offices or account types. Your specific routing number depends on which office processed your account when it was opened. Check the bottom-left of a personal check or your online banking account details to confirm which routing number belongs to your account.

ACH vs Wire Transfer — Which Routing Number to Use

This is one of the most common questions about HERITAGE BANK OF COMMERCE SAN JOSE routing numbers:

Transfer Type	Routing Number	Settlement
Direct Deposit / ACH	ABA routing number (this page)	1–2 business days (same day for Same Day ACH)
Domestic Wire Transfer	Confirm with HERITAGE BANK OF COMMERCE directly — may differ	Same business day (real-time via Fedwire)
International Wire	SWIFT/BIC code required — find it here	1–5 business days

About HERITAGE BANK OF COMMERCE in SAN JOSE, CA

HERITAGE BANK OF COMMERCE serves customers in SAN JOSE, CA through its local banking network. The routing numbers listed on this page are the ABA-registered identifiers for HERITAGE BANK OF COMMERCE's SAN JOSE operations — used by the Federal Reserve's payment infrastructure to route ACH and wire transactions to the correct financial institution.

To browse HERITAGE BANK OF COMMERCE routing numbers in other cities in CA, visit the HERITAGE BANK OF COMMERCE CA directory. For all HERITAGE BANK OF COMMERCE states, see the HERITAGE BANK OF COMMERCE routing number directory. For international transfers, use the SWIFT Code Lookup. For Indian bank transfers, use the IFSC Code Lookup.

Frequently Asked Questions — HERITAGE BANK OF COMMERCE Routing Numbers in SAN JOSE

How many routing numbers does HERITAGE BANK OF COMMERCE have in SAN JOSE, CA?

What is the HERITAGE BANK OF COMMERCE routing number in SAN JOSE, CA?

What is the HERITAGE BANK OF COMMERCE SAN JOSE routing number used for?

Is the HERITAGE BANK OF COMMERCE SAN JOSE routing number the same for ACH and wire transfers?

How do I verify the HERITAGE BANK OF COMMERCE routing number for SAN JOSE?

Can I use the HERITAGE BANK OF COMMERCE SAN JOSE routing number for international transfers?

What format is the HERITAGE BANK OF COMMERCE SAN JOSE routing number?

Where is the HERITAGE BANK OF COMMERCE routing number on a check for SAN JOSE accounts?