Bank Routing Number

Midland States Bank Routing Number

The primary ABA routing number (RTN) for Midland States Bank, Effingham, IL is shown below.

Primary ABA / RTN

081204540

Verify before you send money. This is the bank's primary registered routing number, taken from the FFIEC National Information Center institution record (last refreshed here on October 8, 2026). Banks often use a different routing number for wire transfers than for ACH, and large banks vary it by region; always confirm the correct number on a check or with your bank before initiating a transfer.

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 Midland States Bank routing number?

The Midland States Bank routing number is 081204540. It is the primary ABA routing transit number registered to Midland States Bank, headquartered in Effingham, IL. 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 8, 2026.

What is the Midland States Bank wire routing number?

This page lists 081204540, the primary routing number registered to Midland States 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 Midland States Bank before sending a wire.

Is ABA number 081204540 the routing number for Midland States Bank?

Yes. ABA number 081204540 is the primary routing number registered to Midland States 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 081204540?

Routing number 081204540 belongs to Midland States Bank, headquartered in Effingham, IL. It is the bank's primary ABA routing number (FDIC certificate 1040).

Routing numbers in Effingham, IL

Bank: Dieterich Bank: 081212574
Bank: Washington Savings Bank: 281271014
Bank: Crossroads Bank: 081224122
Credit union: Effingham Highway Credit Union: 281276763

All routing numbers in Illinois

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Regulator records: FDIC BankFind (cert 1040) · FFIEC NIC profile (RSSD 773247)