SINGING RIVER FCU Routing Number 265176245 — MOSS POINT, MS

About Routing Number 265176245 — SINGING RIVER FCU

Routing number 265176245 is the official 9-digit ABA routing number registered to SINGING RIVER FCU at P.O. BOX 8685, MOSS POINT, MS 39562-8685. 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 265176245

The 9-digit number 265176245 is structured in three segments: 2651 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 SINGING RIVER FCU's transactions. 7624 is the ABA institution identifier — four digits assigned by the American Bankers Association uniquely to SINGING RIVER FCU. 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 265176245

• Direct Deposit — Payroll and Government Payments: Provide routing number 265176245 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 265176245 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 SINGING RIVER FCU personal check in MOSS POINT — the first 9-digit sequence in the MICR line.
• Domestic Wire Transfers via Fedwire: Confirm with SINGING RIVER FCU whether 265176245 applies to wires — many banks use a separate wire routing number. Fedwire settles same-day in real time.

What 265176245 Cannot Be Used For

• International wire transfers — require a SWIFT/BIC code. Find SINGING RIVER FCU'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 265176245 Is Correct

Before using 265176245 for a large ACH or wire transfer, verify it three ways: (1) Check the bottom-left of a SINGING RIVER FCU personal check — the routing number must match. (2) Log into SINGING RIVER FCU 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 SINGING RIVER FCU routing numbers in MS 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.