Bank routing number ยท Independence, Ohio
Independence Bank Routing Number (ABA): 041201813
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The Independence Bank routing number is 041201813. It is the primary ABA routing transit number on the bank's FFIEC National Information Center record, refreshed here on October 25, 2026.
Independence Bank at a glance
It reports no CET1 ratio; its Tier 1 leverage ratio was 14.46% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Total assets, Q2 2026
- $191.2M
- Tier 1 leverage ratio, Q2 2026
- 14.46%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Domestic offices
- 1 FDIC institution directory, current count
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1979
Full financial profile · Is Independence Bank safe? · Independence Bank call report · Branch locations
Independence Bank routing numbers on file
| Routing number | Type | Status | Source |
|---|---|---|---|
| 041201813 | Primary ABA | Active | FFIEC NIC |
Record refreshed here on October 25, 2026. NIC holds one primary number per bank; Independence Bank publishes any other numbers it uses itself.
What the digits mean
The first two digits, 04, place this number in the Federal Reserve Bank of Cleveland's district (District 4). Digits five through eight, 0181, identify the institution within that district. The last digit, 3, 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 Independence 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 Independence Bank checks or in its online banking. Ask the bank for wire instructions. 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 Independence Bank
Independence Bank is headquartered in Independence, Ohio and was established in 1979. It is in the CLEVELAND, OH metro area. It reported $191.2M in total assets and $161.6M in deposits for Q2 2026, the 100th largest of the 154 banks headquartered in Ohio. It reports 1 domestic office. Its deposits have been FDIC insured since 1979. Its primary federal regulator is the FDIC. 2 other banks and credit unions headquartered in Independence have a routing number listed here.
What the digits in 041201813 mean
The first four digits, 0412, are the Federal Reserve routing symbol. The prefix 04 places the number in the 4th Federal Reserve District (Cleveland). That is also the district where the bank is headquartered. Digits five through eight, 0181, identify the institution within its Federal Reserve district. The last digit, 3, is a check digit. Weighting the digits 3, 7 and 1 in turn gives 3 x 10 + 7 x 5 + 5 = 70, a multiple of 10, so 041201813 is a well-formed routing number. A mistyped digit almost always breaks that sum.
What is the Independence Bank routing number?
The Independence Bank routing number is 041201813. It is the primary ABA routing transit number registered to Independence Bank, headquartered in Independence, OH. The number comes from the FFIEC National Information Center institution record, last refreshed here on October 25, 2026.
What is the Independence Bank wire routing number?
This page lists the primary routing number registered to Independence Bank. The record does not say whether the bank uses the same number for wire transfers. Confirm the wire routing number with Independence Bank before sending a wire.
Is ABA number 041201813 the routing number for Independence Bank?
Yes. It is the primary routing number registered to Independence Bank.
Which bank uses routing number 041201813?
It belongs to Independence Bank, headquartered in Independence, OH. It is the bank's primary ABA routing number (FDIC certificate 22925).
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Regulator records: FDIC BankFind (cert 22925) · FFIEC NIC profile (RSSD 956527)