UNITY BANK NORTH Routing Number 091215888 — RED LAKE FALLS, MN

About Routing Number 091215888 — UNITY BANK NORTH

Routing number 091215888 is the official 9-digit ABA routing number registered to UNITY BANK NORTH at PO BOX 280, RED LAKE FALLS, MN 56750-0280. 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 091215888

The 9-digit number 091215888 is structured in three segments: 0912 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 UNITY BANK NORTH's transactions. 1588 is the ABA institution identifier — four digits assigned by the American Bankers Association uniquely to UNITY BANK NORTH. 8 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 091215888

• Direct Deposit — Payroll and Government Payments: Provide routing number 091215888 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 091215888 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 UNITY BANK NORTH personal check in RED LAKE FALLS — the first 9-digit sequence in the MICR line.
• Domestic Wire Transfers via Fedwire: Confirm with UNITY BANK NORTH whether 091215888 applies to wires — many banks use a separate wire routing number. Fedwire settles same-day in real time.

What 091215888 Cannot Be Used For

• International wire transfers — require a SWIFT/BIC code. Find UNITY BANK NORTH'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 091215888 Is Correct

Before using 091215888 for a large ACH or wire transfer, verify it three ways: (1) Check the bottom-left of a UNITY BANK NORTH personal check — the routing number must match. (2) Log into UNITY BANK NORTH 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 UNITY BANK NORTH routing numbers in MN 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.