HERITAGE BANK & TRUST Routing Number COLUMBIA, TN

Q: How many routing numbers does HERITAGE BANK & TRUST have in COLUMBIA, TN?

HERITAGE BANK & TRUST has 1 routing number registered in COLUMBIA, TN 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 & TRUST routing number in COLUMBIA, TN?

The HERITAGE BANK & TRUST routing number in COLUMBIA, TN is shown above. Click it to view the full details page with a one-click Copy button. This 9-digit ABA routing number is used for ACH transfers, direct deposits, and check payments associated with HERITAGE BANK & TRUST accounts in COLUMBIA.

Q: What is the HERITAGE BANK & TRUST COLUMBIA routing number used for?

The HERITAGE BANK & TRUST routing number in COLUMBIA 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 & TRUST personal checkACH debit authorisations — recurring payments to utilities, subscriptions, insurance

Q: Is the HERITAGE BANK & TRUST COLUMBIA 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 & TRUST account in COLUMBIA, always confirm the wire routing number directly with HERITAGE BANK & TRUST'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 & TRUST routing number for COLUMBIA?

You can verify your HERITAGE BANK & TRUST COLUMBIA 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 & TRUST personal check — the routing number is always the first 9-digit sequence in the MICR line. (3) Log into HERITAGE BANK & TRUST 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 & TRUST COLUMBIA 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 & TRUST account in COLUMBIA, you need the bank's SWIFT/BIC code instead. Visit BankZop's SWIFT Code Lookup to find the correct SWIFT code for HERITAGE BANK & TRUST international transfers.

Q: What format is the HERITAGE BANK & TRUST COLUMBIA routing number?

All HERITAGE BANK & TRUST routing numbers in COLUMBIA 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 & TRUST; 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 & TRUST routing number on a check for COLUMBIA accounts?

The HERITAGE BANK & TRUST routing number for COLUMBIA 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 & TRUST Routing Number in COLUMBIA, TN

1 HERITAGE BANK & TRUST routing number found in COLUMBIA, TN. Click any routing number to view full details — for ACH transfers, direct deposits, and wire payments.

Updated Jun 2026 HERITAGE BANK & TRUST COLUMBIA, TN Live Data

HERITAGE BANK & TRUST Routing Number in COLUMBIA, TN

HERITAGE BANK & TRUST has 1 routing number registered in COLUMBIA, TN with the American Bankers Association (ABA) and the Federal Reserve E-Payments Routing Directory. Each 9-digit routing number uniquely identifies HERITAGE BANK & TRUST's COLUMBIA 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 & TRUST routing number for COLUMBIA, TN 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 & TRUST COLUMBIA 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 & TRUST account.
Wire transfer: Confirm with HERITAGE BANK & TRUST'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 & TRUST check against the number shown here to confirm accuracy.

Why HERITAGE BANK & TRUST May Have This Routing Number in COLUMBIA

HERITAGE BANK & TRUST uses a single routing number for COLUMBIA, TN — assigned by the ABA to identify this specific HERITAGE BANK & TRUST processing location within the Federal Reserve's payment system. This 9-digit code is what routes ACH debits, credits, and wire transfers to the correct HERITAGE BANK & TRUST office for settlement.

ACH vs Wire Transfer — Which Routing Number to Use

This is one of the most common questions about HERITAGE BANK & TRUST COLUMBIA 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 & TRUST 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 & TRUST in COLUMBIA, TN

HERITAGE BANK & TRUST serves customers in COLUMBIA, TN through its local banking network. The routing number listed on this page are the ABA-registered identifier for HERITAGE BANK & TRUST's COLUMBIA operations — used by the Federal Reserve's payment infrastructure to route ACH and wire transactions to the correct financial institution.

To browse HERITAGE BANK & TRUST routing numbers in other cities in TN, visit the HERITAGE BANK & TRUST TN directory. For all HERITAGE BANK & TRUST states, see the HERITAGE BANK & TRUST 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 & TRUST Routing Numbers in COLUMBIA

How many routing numbers does HERITAGE BANK & TRUST have in COLUMBIA, TN?

What is the HERITAGE BANK & TRUST routing number in COLUMBIA, TN?

What is the HERITAGE BANK & TRUST COLUMBIA routing number used for?

Is the HERITAGE BANK & TRUST COLUMBIA routing number the same for ACH and wire transfers?

How do I verify the HERITAGE BANK & TRUST routing number for COLUMBIA?

Can I use the HERITAGE BANK & TRUST COLUMBIA routing number for international transfers?

What format is the HERITAGE BANK & TRUST COLUMBIA routing number?

Where is the HERITAGE BANK & TRUST routing number on a check for COLUMBIA accounts?