SWIFT Code HOTAUS44 — HOME STATE BANK, N.A., CRYSTAL LAKE,IL

About SWIFT Code HOTAUS44 — HOME STATE BANK, N.A., CRYSTAL LAKE,IL

SWIFT code HOTAUS44 is the official 8-character head-office BIC (Bank Identifier Code) for HOME STATE BANK, N.A. in CRYSTAL LAKE,IL, 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 HOME STATE BANK, N.A. for all outward international remittances from CRYSTAL LAKE,IL. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code HOTAUS44

The code HOTAUS44 follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code HOTAUS44

Receiving International Wire Transfers

To receive money from abroad at your HOME STATE BANK, N.A. account in CRYSTAL LAKE,IL, share SWIFT code HOTAUS44 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 HOME STATE BANK, N.A., CRYSTAL LAKE,IL must provide SWIFT code HOTAUS44. 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 HOME STATE BANK, N.A. in CRYSTAL LAKE,IL rely on SWIFT code HOTAUS44 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 HOME STATE BANK, N.A. →

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

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

How SWIFT Code HOTAUS44 Routes an International Transfer

1. Initiation: The sender provides SWIFT code HOTAUS44 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 HOME STATE BANK, N.A..
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: HOME STATE BANK, N.A. receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code HOTAUS44

• Spaces or lowercase letters — Always enter HOTAUS44 uppercase with no spaces.
• Using the wrong city — This code is for CRYSTAL LAKE,IL 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 HOTAUS44 directly with HOME STATE BANK, N.A.'s CRYSTAL LAKE,IL branch or via the SWIFT BIC Directory.