SWIFT Code CTZBUS41 — CITIZENS BANK AND TRUST COMPANY, CHILLICOTHE,MO

About SWIFT Code CTZBUS41 — CITIZENS BANK AND TRUST COMPANY, CHILLICOTHE,MO

SWIFT code CTZBUS41 is the official 8-character head-office BIC (Bank Identifier Code) for CITIZENS BANK AND TRUST COMPANY in CHILLICOTHE,MO, United States. Standardised under ISO 9362 and maintained by the Society for Worldwide Interbank Financial Telecommunication (SWIFT), this code is used exclusively for cross-border wire transfers and is recognised by financial institutions in over 200 countries.

This code must be provided to the sender when receiving money from abroad, and is required by CITIZENS BANK AND TRUST COMPANY for all outward international remittances from CHILLICOTHE,MO. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code CTZBUS41

The code CTZBUS41 follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code CTZBUS41

Receiving International Wire Transfers

To receive money from abroad at your CITIZENS BANK AND TRUST COMPANY account in CHILLICOTHE,MO, share SWIFT code CTZBUS41 with the sender along with your full account number, your name as on the account, and the branch address.

NRI Remittances

Non-Resident Indians sending money to NRO/NRE accounts at CITIZENS BANK AND TRUST COMPANY, CHILLICOTHE,MO must provide SWIFT code CTZBUS41. Major remittance platforms — including Wise, Remitly, Western Union, and MoneyGram — use this code to route transfers accurately.

Trade Finance and Foreign Payments

Importers and exporters using CITIZENS BANK AND TRUST COMPANY in CHILLICOTHE,MO rely on SWIFT code CTZBUS41 for letters of credit, bank guarantees, and foreign currency settlements.

SWIFT Code vs IFSC vs MICR vs BSR — Key Differences

Need the IFSC code for domestic NEFT, RTGS, or UPI transfers? View the IFSC code for CITIZENS BANK AND TRUST COMPANY →

For cheque clearing or NACH mandates, use the MICR code for CITIZENS BANK AND TRUST COMPANY →

For TDS challan deposits, find the BSR code for CITIZENS BANK AND TRUST COMPANY →

How SWIFT Code CTZBUS41 Routes an International Transfer

1. Initiation: The sender provides SWIFT code CTZBUS41 and account number to their bank.
2. Validation: The sending bank validates the BIC against the SWIFT registry.
3. Routing: An MT103 SWIFT message is transmitted through the network to CITIZENS BANK AND TRUST COMPANY.
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: CITIZENS BANK AND TRUST COMPANY receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code CTZBUS41

• Spaces or lowercase letters — Always enter CTZBUS41 uppercase with no spaces.
• Using the wrong city — This code is for CHILLICOTHE,MO only.
• Truncating to 8 characters — When 11 characters are required, always use the full code.
• Using SWIFT for domestic transfers — Use the IFSC code for any transfer within United States.

Data Accuracy

BankZop sources SWIFT/BIC data from publicly available banking registries and official disclosures, updated regularly. For the highest-stakes transactions, always confirm CTZBUS41 directly with CITIZENS BANK AND TRUST COMPANY's CHILLICOTHE,MO branch or via the SWIFT BIC Directory.