WRAY STATE BANK Routing Number 102102932 — WRAY, CO

About Routing Number 102102932 — WRAY STATE BANK

Routing number 102102932 is the official 9-digit ABA routing number registered to WRAY STATE BANK at 300 CLAY STREET, WRAY, CO 80758. 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 102102932

The 9-digit number 102102932 is structured in three segments: 1021 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 WRAY STATE BANK's transactions. 0293 is the ABA institution identifier — four digits assigned by the American Bankers Association uniquely to WRAY STATE BANK. 2 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 102102932

• Direct Deposit — Payroll and Government Payments: Provide routing number 102102932 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 102102932 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 WRAY STATE BANK personal check in WRAY — the first 9-digit sequence in the MICR line.
• Domestic Wire Transfers via Fedwire: Confirm with WRAY STATE BANK whether 102102932 applies to wires — many banks use a separate wire routing number. Fedwire settles same-day in real time.

What 102102932 Cannot Be Used For

• International wire transfers — require a SWIFT/BIC code. Find WRAY STATE BANK'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 102102932 Is Correct

Before using 102102932 for a large ACH or wire transfer, verify it three ways: (1) Check the bottom-left of a WRAY STATE BANK personal check — the routing number must match. (2) Log into WRAY STATE BANK 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 WRAY STATE BANK routing numbers in CO 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.