074905539
FIRST MERCHANTS BK OF CENTRAL IND NA
✓ Valid Checksum
Active
- Institution Name
- FIRST MERCHANTS BK OF CENTRAL IND NA
- Institution Type
- Commercial Bank
- City / State
- DALEVILLE, IN
Supported Transaction Types
✓ ACH Transfers
Direct deposit, bill pay, person-to-person transfers. Processed in 1–3 business days.
✗ Wire Transfers
Real-time, same-day settlement via Fedwire. Used for large or time-sensitive transfers.
✓ Check Processing
Printed on the bottom-left of checks. Used to route paper and electronic check payments.
Note: Some banks use a separate routing number for wire transfers. Always confirm wire routing numbers directly with your bank before initiating a wire transfer.
ABA Checksum Validation
Every ABA routing number includes a built-in check digit (the 9th digit) that allows banks to detect transcription errors automatically. The checksum uses a weighted formula: multiply each digit by 3, 7, 1, 3, 7, 1, 3, 7, 1 and the sum must be divisible by 10.
×3
0
0
×7
7
49
×1
4
4
×3
9
27
×7
0
0
×1
5
5
×3
5
15
×7
3
21
×1
9
9
Sum = 0 + 49 + 4 + 27 + 0 + 5 + 15 + 21 + 9 = 130
130 ÷ 10 = 13 remainder 0 → Valid routing number
Quick Reference
Other Routing Numbers for FIRST MERCHANTS BK OF CENTRAL IND NA
Large banks often have different routing numbers by state or region.
View all routing numbers →