Arvest Bank Routing Number

Complete guide to Arvest Bank routing numbers for ACH transfers, wire transfers, and direct deposit across Arkansas, Kansas, Missouri, and Oklahoma.

Wire Transfer (Domestic)

103189378

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Wire Transfer (International)

103189378

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ACH Transfer

082900872

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Swift Code

ARVTUS44

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ACH routing numbers vary by state. See state-specific numbers below.

This is an informational resource from Nickel Payments

We are not affiliated with Arvest Bank. Nickel supports secure transfers from Arvest Bank and thousands of other banks. For official Arvest Bank support, contact them directly.

Arvest Bank Routing Number by State

Arvest Bank keeps things simple with a single routing number for all transactions across its four-state footprint. Unlike many regional banks that use different routing numbers for each state, Arvest uses one consistent number regardless of where you opened your account.

Routing number for all Arvest Bank locations: 082900872

This routing number works for:

- ACH transfers and electronic payments

- Direct deposits (payroll, Social Security, tax refunds)

- Automatic bill payments

- Wire transfers (both domestic and international)

- Check processing

- Person-to-person payment apps like Venmo and PayPal

States Where Arvest Operates

Arvest Bank serves more than 110 communities across four states with over 219 branch locations:

Arkansas (98 branches)The bank's largest presence is in Arkansas, where it was founded in 1871. Major cities include Little Rock, Fayetteville, Bentonville, Fort Smith, Rogers, Conway, Hot Springs, Jonesboro, and North Little Rock.

Oklahoma (74 branches)Arvest's second-largest market includes Tulsa, Oklahoma City, Norman, Edmond, Broken Arrow, Bartlesville, Lawton, Muskogee, and Stillwater.

Missouri (37 branches)Serving the southwestern corner and Kansas City area, including Springfield, Branson, Joplin, Kansas City, Lee's Summit, and Neosho.

Kansas (10 branches)Limited presence in eastern Kansas, primarily in the Kansas City metro area including Overland Park, Gardner, and the surrounding region.

Why Does Arvest Use One Routing Number?

Unlike banks that acquired multiple regional institutions and maintained separate routing numbers, Arvest consolidated operations under a single routing structure. This simplifies banking for customers who move between states or have accounts in multiple locations. Whether you opened your account in Little Rock, Tulsa, Springfield, or Overland Park, you'll always use the same routing number: 082900872.

Finding Your Routing Number

You can locate your Arvest Bank routing number in several places:

On Your Checks: The 9-digit routing number appears at the bottom left corner of every Arvest check, before your account number.

Online Banking: Log into Arvest's online banking platform or mobile app to view your routing number under account details.

Bank Statements: Your routing number is printed on monthly statements, typically in the upper right corner or account information section.

Customer Service: Call Arvest at 1-866-952-9523 to confirm your routing number with a representative.

Important Information

Everything you need to know before making a transfer

Avoid Common Mistakes

These errors cause most routing number problems

Using a routing number from the wrong state
Mixing up ACH and wire routing number
Entering your account number instead of routing number
Using an old routing number after a bank merger
Not updating routing number after moving states and opening a new account

Processing Times

Wire transfers: Same business day
ACH transfers: 1-3 business days
International wires: 3-5 business days

Security Tips

Routing numbers are public and safe to share
Never share your full account number publicly
Verify recipient details before sending money

Transaction Limits

Wire transfer limits vary by account type
ACH transfers may have daily limits
Contact bank for specific limit information

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How to Find Your Arvest Bank Bank Routing Number

Multiple ways to locate your Arvest Bank Bank routing number quickly

On Your Check

The routing number is the first 9 digits on the bottom left of your check, before your account number.

Online Banking

Log into your Arvest Bank online banking and navigate to Account Details to view your routing number

Mobile App

Open the Arvest Bank mobile app, select your account, and tap on Account Details to find your routing number.

Bank Statement

Your routing number is printed on your monthly bank statement, usually near your account information.

Contact Bank

Call Arvest Bank customer service at 1-866-952-9523 for assistance finding your routing number.

Frequently Asked Questions About Arvest Bank Routing Numbers

Why does Arvest Bank use only one routing number for all states?

Arvest Bank simplified its operations by consolidating to a single routing number across its entire four-state network. This is less common among regional banks but makes transactions easier for customers. Whether you bank in Arkansas, Oklahoma, Missouri, or Kansas, you'll use routing number 082900872 for all transactions. This unified approach means you never need to look up a different number if you move or open accounts in different states.

Can I use 082900872 for both ACH transfers and wire transfers?

Yes, Arvest uses the same routing number (082900872) for ACH transfers, wire transfers, direct deposits, and all other electronic transactions. You don't need to remember different numbers for different transaction types. However, keep in mind that wire transfers and ACH transfers have different processing times and fees, even though they use the same routing number.

What information do I need for international wire transfers to Arvest Bank?

For international wire transfers to your Arvest account, the sender will need your routing number (082900872), your complete account number, your name as it appears on the account, and Arvest's SWIFT code (ARVTUS44). The SWIFT code identifies Arvest in the international banking network. Note that incoming international wires cost $10, while domestic incoming wires also cost $10.

How long do wire transfers take at Arvest Bank?

Domestic wire transfers sent through Arvest typically process the same day if submitted before the bank's cutoff time. The exact cutoff varies by location and transaction type, so contact your branch or call 1-866-952-9523 to confirm. International wire transfers can take 1-5 business days depending on the destination country and intermediary banks involved. Wire transfers sent after the cutoff time will be processed the next business day.

What if I use the wrong routing number for my Arvest account?

Using an incorrect routing number can cause significant delays or rejected transactions. The payment may bounce back to the sender, take several days to process, or in some cases, be sent to the wrong financial institution entirely. If you accidentally provided the wrong routing number, contact both Arvest (1-866-952-9523) and the sending party immediately. For direct deposits like payroll, notify your employer's payroll department right away to prevent delays in receiving your funds.

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