SWIFT Code FBSMUS31 — FRANKLIN BANK, N.A., SOUTHFIELD,MI

About SWIFT Code FBSMUS31 — FRANKLIN BANK, N.A., SOUTHFIELD,MI

SWIFT code FBSMUS31 is the official 8-character head-office BIC (Bank Identifier Code) for FRANKLIN BANK, N.A. in SOUTHFIELD,MI, 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 FRANKLIN BANK, N.A. for all outward international remittances from SOUTHFIELD,MI. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code FBSMUS31

The code FBSMUS31 follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code FBSMUS31

Receiving International Wire Transfers

To receive money from abroad at your FRANKLIN BANK, N.A. account in SOUTHFIELD,MI, share SWIFT code FBSMUS31 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 FRANKLIN BANK, N.A., SOUTHFIELD,MI must provide SWIFT code FBSMUS31. 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 FRANKLIN BANK, N.A. in SOUTHFIELD,MI rely on SWIFT code FBSMUS31 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 FRANKLIN BANK, N.A. →

For cheque clearing or NACH mandates, use the MICR code for FRANKLIN BANK, N.A. →

For TDS challan deposits, find the BSR code for FRANKLIN BANK, N.A. →

How SWIFT Code FBSMUS31 Routes an International Transfer

1. Initiation: The sender provides SWIFT code FBSMUS31 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 FRANKLIN BANK, N.A..
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: FRANKLIN BANK, N.A. receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code FBSMUS31

• Spaces or lowercase letters — Always enter FBSMUS31 uppercase with no spaces.
• Using the wrong city — This code is for SOUTHFIELD,MI 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 FBSMUS31 directly with FRANKLIN BANK, N.A.'s SOUTHFIELD,MI branch or via the SWIFT BIC Directory.