MERCHANTS & CITIZENS BANK Routing Number in MCRAE, GA

1 MERCHANTS & CITIZENS BANK routing number found in MCRAE, GA. Click any routing number to view full details — for ACH transfers, direct deposits, and wire payments.

Updated Jun 2026 MERCHANTS & CITIZENS BANK MCRAE, GA Live Data
1 Routing Number
ABA Verified Data
ACH · Wire Payment Systems
9-digit ABA Format

MERCHANTS & CITIZENS BANK — MCRAE, GA — Select Routing Number

1 routing number

MERCHANTS & CITIZENS BANK Routing Number in MCRAE, GA

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

Why MERCHANTS & CITIZENS BANK May Have This Routing Number in MCRAE

MERCHANTS & CITIZENS BANK uses a single routing number for MCRAE, GA — assigned by the ABA to identify this specific MERCHANTS & CITIZENS BANK 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 MERCHANTS & CITIZENS BANK office for settlement.

ACH vs Wire Transfer — Which Routing Number to Use

This is one of the most common questions about MERCHANTS & CITIZENS BANK MCRAE 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 MERCHANTS & CITIZENS BANK directly — may differ Same business day (real-time via Fedwire)
International Wire SWIFT/BIC code required — find it here 1–5 business days

About MERCHANTS & CITIZENS BANK in MCRAE, GA

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

To browse MERCHANTS & CITIZENS BANK routing numbers in other cities in GA, visit the MERCHANTS & CITIZENS BANK GA directory. For all MERCHANTS & CITIZENS BANK states, see the MERCHANTS & CITIZENS BANK routing number directory. For international transfers, use the SWIFT Code Lookup. For Indian bank transfers, use the IFSC Code Lookup.

Data sourced from the American Bankers Association (ABA) and the Federal Reserve E-Payments Routing Directory. Last reviewed Jun 2026 by BankZop Editorial Team.

Frequently Asked Questions — MERCHANTS & CITIZENS BANK Routing Numbers in MCRAE