Frequently Asked Questions About Academy Bank Routing Numbers
Why does Academy Bank use only one routing number?
Academy Bank maintains a single routing number (107001481) across all its branches in Missouri, Kansas, Colorado, and Arizona. This unified system came about through the bank's strategic growth and modern banking infrastructure. Unlike larger national banks that acquired multiple regional banks with separate routing numbers, Academy Bank built its expansion around a centralized system. This makes it easier for customers - you don't need to worry about which state you opened your account in when setting up payments or transfers.
Can I use the Academy Bank routing number for international wire transfers?
Not directly. Academy Bank is not a member of the SWIFT network, so international wire transfers require an intermediary correspondent bank. When receiving international wires, the sender's bank must first wire funds to a correspondent bank in the United States, which then transfers the money domestically to Academy Bank using routing number 107001481. Contact Academy Bank at 1-877-712-2265 to get specific correspondent bank details for incoming international wires. For outgoing international wires, Academy Bank can facilitate these through their correspondent banking relationships.
What's the difference between ACH and wire routing numbers at Academy Bank?
Academy Bank uses the same routing number (107001481) for both ACH transfers and domestic wire transfers. This simplifies the process compared to banks that use different numbers for different transaction types. Whether you're setting up direct deposit, making an ACH payment, or sending a domestic wire transfer, you'll always use 107001481.
How do I verify I'm using the correct Academy Bank routing number?
You can verify the routing number several ways: check the bottom left corner of your Academy Bank checks, log into your online banking account and look under account details, or call customer service at 1-877-712-2265. Since Academy Bank uses a single routing number system, you can be confident that 107001481 is correct regardless of which state your account is in.
What are the fees for wire transfers at Academy Bank?
Academy Bank charges $17 for outgoing domestic wire transfers initiated through digital banking, and $40 for outgoing international wire transfers initiated online. These fees are competitive with regional banks and significantly lower than processing wires through a branch or over the phone. For incoming wire transfers, check with Academy Bank as fees may apply. To avoid wire fees altogether for domestic transfers, consider using free alternatives like Nickel for ACH payments, which offer same-day or next-day processing without the wire transfer costs.
