Bank routing number ยท Sparta, Michigan
ChoiceOne Bank Routing Number (ABA): 072408436
BankRegReports is independent of ChoiceOne Bank and never asks for online banking logins or passwords.
The ChoiceOne Bank routing number is 072408436. It is the primary ABA routing transit number on the bank's FFIEC National Information Center record, refreshed here on October 27, 2026.
ChoiceOne Bank at a glance
Its CET1 capital ratio was 11.81% at Q2 2026, above regulatory requirements.
- Total assets, Q2 2026
- $4.45B
- CET1 ratio, Q2 2026
- 11.81%
- Deposit insurance
- FDIC
- Regulator
- Federal Reserve
- Domestic offices
- 50 FDIC institution directory, current count
- Established
- 1898
Full financial profile · Is ChoiceOne Bank safe? · Branch locations
ChoiceOne Bank routing numbers on file
| Routing number | Type | Status | Source |
|---|---|---|---|
| 072408436 | Primary ABA | Active | FFIEC NIC |
Record refreshed here on October 27, 2026. NIC holds one primary number per bank; ChoiceOne Bank publishes any other numbers it uses itself.
What the digits mean
The first two digits, 07, place this number in the Federal Reserve Bank of Chicago's district (District 7). Digits five through eight, 0843, identify the institution within that district. The last digit, 6, is a check digit, and the number passes the standard check: weight the nine digits 3, 7, 1, 3, 7, 1, 3, 7, 1 and the sum is a multiple of 10.
Before you send money to ChoiceOne Bank
A routing number tells the payment network which financial institution holds an account. You give it with an account number for ACH transfers through the automated clearing house, such as direct deposit, bill pay and transfers from a checking account, which usually settle in one to two business days. An international wire to a US account normally needs the bank's SWIFT code as well.
Match this number against the one on your ChoiceOne Bank checks or in its online banking. Ask the bank for wire instructions (www.choiceone.bank). Our record does not show whether this number receives wires. The Federal Reserve's E-Payments Routing Directory shows it: its Fedwire participant search lists the numbers that can receive Fedwire transfers, and its FedACH search lists those that receive ACH payments. How to confirm any routing number.
About ChoiceOne Bank
ChoiceOne Bank is headquartered in Sparta, Michigan and was established in 1898. It is in the GRAND RAPIDS-WYOMING-KENTWOOD, MI metro area. It reported $4.45B in total assets and $3.61B in deposits for Q2 2026, the 5th largest of the 72 banks headquartered in Michigan. It reports 50 domestic offices. Its deposits have been FDIC insured since 1934. Its primary federal regulator is the Federal Reserve. One other bank or credit union headquartered in Sparta has a routing number listed here.
What the digits in 072408436 mean
The first four digits, 0724, are the Federal Reserve routing symbol. The prefix 07 places the number in the 7th Federal Reserve District (Chicago). That is also the district where the bank is headquartered. Digits five through eight, 0843, identify the institution within its Federal Reserve district. The last digit, 6, is a check digit. Weighting the digits 3, 7 and 1 in turn gives 3 x 8 + 7 x 10 + 16 = 110, a multiple of 10, so 072408436 is a well-formed routing number. A mistyped digit almost always breaks that sum.
What is the ChoiceOne Bank routing number?
The ChoiceOne Bank routing number is 072408436. It is the primary ABA routing transit number registered to ChoiceOne Bank, headquartered in Sparta, MI. The number comes from the FFIEC National Information Center institution record, last refreshed here on October 27, 2026.
What is the ChoiceOne Bank wire routing number?
This page lists the primary routing number registered to ChoiceOne Bank. The record does not say whether the bank uses the same number for wire transfers. Confirm the wire routing number with ChoiceOne Bank before sending a wire.
Is ABA number 072408436 the routing number for ChoiceOne Bank?
Yes. It is the primary routing number registered to ChoiceOne Bank.
Which bank uses routing number 072408436?
It belongs to ChoiceOne Bank, headquartered in Sparta, MI. It is the bank's primary ABA routing number (FDIC certificate 1014).
Routing numbers of similar-size institutions in Michigan
- Credit union, Sparta, MI
- Compass Credit Union: 272485136
- Credit union, Saint Joseph, MI
- United Federal Credit Union: 272484894
- Credit union, Clinton Township, MI
- Michigan Schools and Government Credit Union: 272480173
- Credit union, Kalamazoo, MI
- Advia Credit Union: 272483633
- Bank, Holland, MI
- Macatawa Bank, N.A.: 072413845
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- Independent Bank: 072402652
- Bank, Ann Arbor, MI
- Bank of Ann Arbor: 072413735
- Bank, Grand Rapids, MI
- Mercantile Bank: 072413829
View ChoiceOne Bank's full profile →
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Regulator records: FDIC BankFind (cert 1014) · FFIEC NIC profile (RSSD 324340)