STATE BANK OF SOUTHWEST MO Routing Number 086505545 — SPRINGFIELD, MO

About Routing Number 086505545 — STATE BANK OF SOUTHWEST MO

Routing number 086505545 is the official 9-digit ABA routing number registered to STATE BANK OF SOUTHWEST MO at PO BOX 10828, SPRINGFIELD, MO 65808. 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 086505545

The 9-digit number 086505545 is structured in three segments: 0865 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 STATE BANK OF SOUTHWEST MO's transactions. 0554 is the ABA institution identifier — four digits assigned by the American Bankers Association uniquely to STATE BANK OF SOUTHWEST MO. 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 086505545

• Direct Deposit — Payroll and Government Payments: Provide routing number 086505545 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 086505545 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 STATE BANK OF SOUTHWEST MO personal check in SPRINGFIELD — the first 9-digit sequence in the MICR line.
• Domestic Wire Transfers via Fedwire: Confirm with STATE BANK OF SOUTHWEST MO whether 086505545 applies to wires — many banks use a separate wire routing number. Fedwire settles same-day in real time.

What 086505545 Cannot Be Used For

• International wire transfers — require a SWIFT/BIC code. Find STATE BANK OF SOUTHWEST MO'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 086505545 Is Correct

Before using 086505545 for a large ACH or wire transfer, verify it three ways: (1) Check the bottom-left of a STATE BANK OF SOUTHWEST MO personal check — the routing number must match. (2) Log into STATE BANK OF SOUTHWEST MO 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 STATE BANK OF SOUTHWEST MO 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.