REDDING BANK OF COMMERCE Routing Number 121144214 — REDDING, CA

About Routing Number 121144214 — REDDING BANK OF COMMERCE

Routing number 121144214 is the official 9-digit ABA routing number registered to REDDING BANK OF COMMERCE at 1951 CHURN CREEK, REDDING, CA 96002. 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 121144214

The 9-digit number 121144214 is structured in three segments: 1211 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 REDDING BANK OF COMMERCE's transactions. 4421 is the ABA institution identifier — four digits assigned by the American Bankers Association uniquely to REDDING BANK OF COMMERCE. 4 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 121144214

• Direct Deposit — Payroll and Government Payments: Provide routing number 121144214 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 121144214 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 REDDING BANK OF COMMERCE personal check in REDDING — the first 9-digit sequence in the MICR line.
• Domestic Wire Transfers via Fedwire: Confirm with REDDING BANK OF COMMERCE whether 121144214 applies to wires — many banks use a separate wire routing number. Fedwire settles same-day in real time.

What 121144214 Cannot Be Used For

• International wire transfers — require a SWIFT/BIC code. Find REDDING BANK OF COMMERCE'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 121144214 Is Correct

Before using 121144214 for a large ACH or wire transfer, verify it three ways: (1) Check the bottom-left of a REDDING BANK OF COMMERCE personal check — the routing number must match. (2) Log into REDDING BANK OF COMMERCE 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 REDDING BANK OF COMMERCE routing numbers in CA 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.