OAKSTAR BANK Routing Number 081512355 — SPRINFIELD, MO

About Routing Number 081512355 — OAKSTAR BANK

Routing number 081512355 is the official 9-digit ABA routing number registered to OAKSTAR BANK at P.O. BOX 14680, SPRINFIELD, MO 65814. 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 081512355

The 9-digit number 081512355 is structured in three segments: 0815 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 OAKSTAR BANK's transactions. 1235 is the ABA institution identifier — four digits assigned by the American Bankers Association uniquely to OAKSTAR 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 081512355

• Direct Deposit — Payroll and Government Payments: Provide routing number 081512355 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 081512355 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 OAKSTAR BANK personal check in SPRINFIELD — the first 9-digit sequence in the MICR line.
• Domestic Wire Transfers via Fedwire: Confirm with OAKSTAR BANK whether 081512355 applies to wires — many banks use a separate wire routing number. Fedwire settles same-day in real time.

What 081512355 Cannot Be Used For

• International wire transfers — require a SWIFT/BIC code. Find OAKSTAR 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 081512355 Is Correct

Before using 081512355 for a large ACH or wire transfer, verify it three ways: (1) Check the bottom-left of a OAKSTAR BANK personal check — the routing number must match. (2) Log into OAKSTAR 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 OAKSTAR BANK routing numbers in MO 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.