SOUTHEAST BANK & TRUST Routing Number ATHENS, TN

Q: How many routing numbers does SOUTHEAST BANK & TRUST have in ATHENS, TN?

SOUTHEAST BANK & TRUST has 2 routing numbers registered in ATHENS, TN with the American Bankers Association (ABA). Click any routing number above to view its complete details including bank name, address, ZIP code, and phone number.

Q: What is the SOUTHEAST BANK & TRUST routing number in ATHENS, TN?

There are 2 SOUTHEAST BANK & TRUST routing numbers in ATHENS, TN. Click the routing number above that corresponds to your account. If you are unsure which applies, check the bottom-left of a personal check — the routing number printed there is the one assigned to your specific account.

Q: What is the SOUTHEAST BANK & TRUST ATHENS routing number used for?

The SOUTHEAST BANK & TRUST routing number in ATHENS is required for: Direct deposit — payroll, IRS tax refunds, Social Security, VA benefitsACH transfers — online bill payments, electronic debits, bank transfersDomestic wire transfers — same-day settlement via Fedwire (may use a separate wire routing number)Check payments — printed at the bottom-left of every SOUTHEAST BANK & TRUST personal checkACH debit authorisations — recurring payments to utilities, subscriptions, insurance

Q: Is the SOUTHEAST BANK & TRUST ATHENS routing number the same for ACH and wire transfers?

Not necessarily. Many large banks maintain a separate routing number for domestic wire transfers from the one used for ACH payments and direct deposits. If you need to send or receive a wire transfer to a SOUTHEAST BANK & TRUST account in ATHENS, always confirm the wire routing number directly with SOUTHEAST BANK & TRUST's wire department. The routing number shown on BankZop is the ABA routing number on record — verify wire-specific numbers with the bank before initiating high-value wire transactions.

Q: How do I verify the SOUTHEAST BANK & TRUST routing number for ATHENS?

You can verify your SOUTHEAST BANK & TRUST ATHENS routing number three ways: (1) Use BankZop — the result page shows the routing number with full bank address and phone. (2) Check the bottom-left of any SOUTHEAST BANK & TRUST personal check — the routing number is always the first 9-digit sequence in the MICR line. (3) Log into SOUTHEAST BANK & TRUST online banking and navigate to Account Details. All data on BankZop is sourced from the ABA routing registry.

Q: Can I use the SOUTHEAST BANK & TRUST ATHENS routing number for international transfers?

No. ABA routing numbers only work within the US domestic payment system (ACH, Fedwire). For international wire transfers to or from a SOUTHEAST BANK & TRUST account in ATHENS, you need the bank's SWIFT/BIC code instead. Visit BankZop's SWIFT Code Lookup to find the correct SWIFT code for SOUTHEAST BANK & TRUST international transfers.

Q: What format is the SOUTHEAST BANK & TRUST ATHENS routing number?

All SOUTHEAST BANK & TRUST routing numbers in ATHENS follow the standard 9-digit ABA routing number format: digits 1–2 identify the Federal Reserve district; digits 3–4 identify the Federal Reserve office; digits 5–8 are the ABA institution identifier for SOUTHEAST BANK & TRUST; digit 9 is a mathematically calculated check digit. A routing number is always exactly 9 numeric digits — any other format is invalid.

Q: Where is the SOUTHEAST BANK & TRUST routing number on a check for ATHENS accounts?

The SOUTHEAST BANK & TRUST routing number for ATHENS accounts is printed at the bottom-left of every personal check in the MICR line. It is always the first 9-digit sequence, surrounded by transit symbols. The account number follows in the centre (varies in length), and the check number is on the right. Do not confuse the routing number (9 digits, leftmost) with the account number.

SOUTHEAST BANK & TRUST Routing Numbers in ATHENS, TN

2 SOUTHEAST BANK & TRUST routing numbers found in ATHENS, TN. Click any routing number to view full details — for ACH transfers, direct deposits, and wire payments.

Updated Jun 2026 SOUTHEAST BANK & TRUST ATHENS, TN Live Data

SOUTHEAST BANK & TRUST Routing Numbers in ATHENS, TN

SOUTHEAST BANK & TRUST has 2 routing numbers registered in ATHENS, TN with the American Bankers Association (ABA) and the Federal Reserve E-Payments Routing Directory. Each 9-digit routing number uniquely identifies SOUTHEAST BANK & TRUST's ATHENS 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 SOUTHEAST BANK & TRUST routing number for ATHENS, TN 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 SOUTHEAST BANK & TRUST ATHENS 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 SOUTHEAST BANK & TRUST account.
Wire transfer: Confirm with SOUTHEAST BANK & TRUST'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 SOUTHEAST BANK & TRUST check against the number shown here to confirm accuracy.

Why SOUTHEAST BANK & TRUST May Have Multiple Routing Numbers in ATHENS

SOUTHEAST BANK & TRUST has 2 routing numbers in ATHENS because large US banks sometimes maintain multiple routing numbers within the same city — assigned to different processing offices or account types. Your specific routing number depends on which office processed your account when it was opened. Check the bottom-left of a personal check or your online banking account details to confirm which routing number belongs to your account.

ACH vs Wire Transfer — Which Routing Number to Use

This is one of the most common questions about SOUTHEAST BANK & TRUST ATHENS 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 SOUTHEAST BANK & TRUST directly — may differ	Same business day (real-time via Fedwire)
International Wire	SWIFT/BIC code required — find it here	1–5 business days

About SOUTHEAST BANK & TRUST in ATHENS, TN

SOUTHEAST BANK & TRUST serves customers in ATHENS, TN through its local banking network. The routing numbers listed on this page are the ABA-registered identifiers for SOUTHEAST BANK & TRUST's ATHENS operations — used by the Federal Reserve's payment infrastructure to route ACH and wire transactions to the correct financial institution.

To browse SOUTHEAST BANK & TRUST routing numbers in other cities in TN, visit the SOUTHEAST BANK & TRUST TN directory. For all SOUTHEAST BANK & TRUST states, see the SOUTHEAST BANK & TRUST routing number directory. For international transfers, use the SWIFT Code Lookup. For Indian bank transfers, use the IFSC Code Lookup.

Frequently Asked Questions — SOUTHEAST BANK & TRUST Routing Numbers in ATHENS

How many routing numbers does SOUTHEAST BANK & TRUST have in ATHENS, TN?

What is the SOUTHEAST BANK & TRUST routing number in ATHENS, TN?

What is the SOUTHEAST BANK & TRUST ATHENS routing number used for?

Is the SOUTHEAST BANK & TRUST ATHENS routing number the same for ACH and wire transfers?

How do I verify the SOUTHEAST BANK & TRUST routing number for ATHENS?

Can I use the SOUTHEAST BANK & TRUST ATHENS routing number for international transfers?

What format is the SOUTHEAST BANK & TRUST ATHENS routing number?

Where is the SOUTHEAST BANK & TRUST routing number on a check for ATHENS accounts?