284084554
KEMBA DELTA FEDERAL CREDIT UNION
✓ Valid Checksum
Active
- Institution Name
- KEMBA DELTA FEDERAL CREDIT UNION
- Institution Type
- Credit Union
- City / State
- BARTLETT, TN
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
2
6
×7
8
56
×1
4
4
×3
0
0
×7
8
56
×1
4
4
×3
5
15
×7
5
35
×1
4
4
Sum = 6 + 56 + 4 + 0 + 56 + 4 + 15 + 35 + 4 = 180
180 ÷ 10 = 18 remainder 0 → Valid routing number