HIGHLANDS STATE BANK Routing Number 021214095 — VERNON, NJ

About Routing Number 021214095 — HIGHLANDS STATE BANK

Routing number 021214095 is the official 9-digit ABA routing number registered to HIGHLANDS STATE BANK at P O BOX 160, VERNON, NJ 07462-0160. 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 021214095

The 9-digit number 021214095 is structured in three segments: 0212 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 HIGHLANDS STATE BANK's transactions. 1409 is the ABA institution identifier — four digits assigned by the American Bankers Association uniquely to HIGHLANDS STATE BANK. 5 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 021214095

• Direct Deposit — Payroll and Government Payments: Provide routing number 021214095 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 021214095 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 HIGHLANDS STATE BANK personal check in VERNON — the first 9-digit sequence in the MICR line.
• Domestic Wire Transfers via Fedwire: Confirm with HIGHLANDS STATE BANK whether 021214095 applies to wires — many banks use a separate wire routing number. Fedwire settles same-day in real time.

What 021214095 Cannot Be Used For

• International wire transfers — require a SWIFT/BIC code. Find HIGHLANDS STATE 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 021214095 Is Correct

Before using 021214095 for a large ACH or wire transfer, verify it three ways: (1) Check the bottom-left of a HIGHLANDS STATE BANK personal check — the routing number must match. (2) Log into HIGHLANDS STATE 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 HIGHLANDS STATE BANK routing numbers in NJ 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.