MERCHANTS COMMERCIAL BANK Routing Number in ST THOMAS, VI
1 MERCHANTS COMMERCIAL BANK routing number found in ST THOMAS, VI. Click any routing number to view full details — for ACH transfers, direct deposits, and wire payments.
MERCHANTS COMMERCIAL BANK — ST THOMAS, VI — Select Routing Number
1 routing number
MERCHANTS COMMERCIAL BANK Routing Number in ST THOMAS, VI
MERCHANTS COMMERCIAL BANK has 1 routing number registered in ST THOMAS, VI with the American Bankers Association (ABA) and the Federal Reserve E-Payments Routing Directory. Each 9-digit routing number uniquely identifies MERCHANTS COMMERCIAL BANK's ST THOMAS 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 COMMERCIAL BANK routing number for ST THOMAS, VI 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 COMMERCIAL BANK ST THOMAS 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 COMMERCIAL BANK account.
- Wire transfer: Confirm with MERCHANTS COMMERCIAL 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 COMMERCIAL BANK check against the number shown here to confirm accuracy.
Why MERCHANTS COMMERCIAL BANK May Have This Routing Number in ST THOMAS
MERCHANTS COMMERCIAL BANK uses a single routing number for ST THOMAS, VI — assigned by the ABA to identify this specific MERCHANTS COMMERCIAL 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 COMMERCIAL BANK office for settlement.
ACH vs Wire Transfer — Which Routing Number to Use
This is one of the most common questions about MERCHANTS COMMERCIAL BANK ST THOMAS 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 COMMERCIAL 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 COMMERCIAL BANK in ST THOMAS, VI
MERCHANTS COMMERCIAL BANK serves customers in ST THOMAS, VI through its local banking network. The routing number listed on this page are the ABA-registered identifier for MERCHANTS COMMERCIAL BANK's ST THOMAS operations — used by the Federal Reserve's payment infrastructure to route ACH and wire transactions to the correct financial institution.
To browse MERCHANTS COMMERCIAL BANK routing numbers in other cities in VI, visit the MERCHANTS COMMERCIAL BANK VI directory. For all MERCHANTS COMMERCIAL BANK states, see the MERCHANTS COMMERCIAL 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 COMMERCIAL BANK Routing Numbers in ST THOMAS
- Direct deposit — payroll, IRS tax refunds, Social Security, VA benefits
- ACH transfers — online bill payments, electronic debits, bank transfers
- Domestic wire transfers — same-day settlement via Fedwire (may use a separate wire routing number)
- Check payments — printed at the bottom-left of every MERCHANTS COMMERCIAL BANK personal check
- ACH debit authorisations — recurring payments to utilities, subscriptions, insurance
