The Merchants & Citizens Bank Routing Number

What is an ABA routing number?

An ABA routing number, also called a routing transit number (RTN), is a 9-digit code that identifies a U.S. financial institution in the payment system. It tells ACH transfers, Fedwire payments, and paper checks which bank to route money to. The format was created by the American Bankers Association in 1910 and is still the backbone of U.S. domestic payments.

What is the difference between a routing number and an account number?

Your routing number identifies the bank; your account number identifies your specific account at that bank. On a paper check, the routing number is the 9-digit number in the bottom-left, and the account number is to its right.

What is the The Merchants & Citizens Bank routing number?

The The Merchants & Citizens Bank routing number is 061203778. It is the primary ABA routing transit number registered to The Merchants & Citizens Bank, headquartered in McRae, GA. A bank can hold more than one routing number, so this is the one on record for the institution, not necessarily the one printed on every check. The number comes from the FFIEC National Information Center institution record, last refreshed here on October 10, 2026.

What is the The Merchants & Citizens Bank wire routing number?

This page lists 061203778, the primary routing number registered to The Merchants & Citizens Bank. The record does not say whether the bank uses the same number for wire transfers, and many banks use a separate routing number for domestic wires. Confirm the wire routing number with The Merchants & Citizens Bank before sending a wire.

Is ABA number 061203778 the routing number for The Merchants & Citizens Bank?

Yes. ABA number 061203778 is the primary routing number registered to The Merchants & Citizens Bank. Check it against the routing number on a check or in your online banking before sending an ACH payment, because a bank can use different numbers by region or product.

Which bank uses routing number 061203778?

Routing number 061203778 belongs to The Merchants & Citizens Bank, headquartered in McRae, GA. It is the bank's primary ABA routing number (FDIC certificate 183).

Routing numbers of similar-size institutions in Georgia

Bank, Greensboro, GA

The Farmers Bank: 061107861

Bank, Moultrie, GA

Moultrie Bank & Trust: 061221491

Credit union, Statesboro, GA

Core Credit Union: 261287633

Bank, Camilla, GA

Planters and Citizens Bank: 061202957

Bank, Dublin, GA

Farmers State Bank: 061211197

Credit union, Hapeville, GA

Family First Credit Union: 261071373

Bank, Columbus, GA

Synovus Trust Company, N.A.: 061053258

Credit union, Savannah, GA

Workmens Circle Credit Union: 261273485

All routing numbers in Georgia