323172958
COTTONWOOD CO FCU
✓ Valid Checksum
Active
- Institution Name
- COTTONWOOD CO FCU
- Institution Type
- Commercial Bank
- City / State
- COTTONWOOD, ID
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
3
9
×7
2
14
×1
3
3
×3
1
3
×7
7
49
×1
2
2
×3
9
27
×7
5
35
×1
8
8
Sum = 9 + 14 + 3 + 3 + 49 + 2 + 27 + 35 + 8 = 150
150 ÷ 10 = 15 remainder 0 → Valid routing number
Quick Reference
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