MIDDLETOWN VALLEY BANK Routing Number 055001258 — MIDDLETOWN, MD

About Routing Number 055001258 — MIDDLETOWN VALLEY BANK

Routing number 055001258 is the official 9-digit ABA routing number registered to MIDDLETOWN VALLEY BANK at P.O. BOX 75, MIDDLETOWN, MD 21769-0075. 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 055001258

The 9-digit number 055001258 is structured in three segments: 0550 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 MIDDLETOWN VALLEY BANK's transactions. 0125 is the ABA institution identifier — four digits assigned by the American Bankers Association uniquely to MIDDLETOWN VALLEY BANK. 8 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 055001258

• Direct Deposit — Payroll and Government Payments: Provide routing number 055001258 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 055001258 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 MIDDLETOWN VALLEY BANK personal check in MIDDLETOWN — the first 9-digit sequence in the MICR line.
• Domestic Wire Transfers via Fedwire: Confirm with MIDDLETOWN VALLEY BANK whether 055001258 applies to wires — many banks use a separate wire routing number. Fedwire settles same-day in real time.

What 055001258 Cannot Be Used For

• International wire transfers — require a SWIFT/BIC code. Find MIDDLETOWN VALLEY 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 055001258 Is Correct

Before using 055001258 for a large ACH or wire transfer, verify it three ways: (1) Check the bottom-left of a MIDDLETOWN VALLEY BANK personal check — the routing number must match. (2) Log into MIDDLETOWN VALLEY 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 MIDDLETOWN VALLEY BANK routing numbers in MD 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.