Bank routing number ยท Grand Rapids, Michigan
Union Bank Routing Number (ABA): 072404320
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The Union Bank routing number is 072404320. It is the primary ABA routing transit number on the bank's FFIEC National Information Center record, refreshed here on October 27, 2026.
Union Bank at a glance
Its CET1 capital ratio was 9.77% at Q2 2026, above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $396.7M
- CET1 ratio, Q2 2026
- 9.77%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Domestic offices
- 9 FDIC institution directory, current count
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1934
Full financial profile · Is Union Bank safe? · Union Bank call report · Branch locations
Union Bank routing numbers on file
| Routing number | Type | Status | Source |
|---|---|---|---|
| 072404320 | Primary ABA | Active | FFIEC NIC |
Record refreshed here on October 27, 2026. NIC holds one primary number per bank; Union 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, 0432, identify the institution within that district. The last digit, 0, 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 Union 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 Union Bank checks or in its online banking. Ask the bank for wire instructions (www.ubmich.com). 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 Union Bank
Union Bank is headquartered in Grand Rapids, Michigan and was established in 1934. It is in the GRAND RAPIDS-WYOMING-KENTWOOD, MI metro area. It reported $396.7M in total assets and $313.5M in deposits for Q2 2026, the 43rd largest of the 72 banks headquartered in Michigan. It reports 9 domestic offices. Its deposits have been FDIC insured since 1934. Its primary federal regulator is the FDIC. 10 other banks and credit unions headquartered in Grand Rapids have a routing number listed here.
What the digits in 072404320 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, 0432, identify the institution within its Federal Reserve district. The last digit, 0, is a check digit. Weighting the digits 3, 7 and 1 in turn gives 3 x 7 + 7 x 9 + 6 = 90, a multiple of 10, so 072404320 is a well-formed routing number. A mistyped digit almost always breaks that sum.
What is the Union Bank routing number?
The Union Bank routing number is 072404320. It is the primary ABA routing transit number registered to Union Bank, headquartered in Grand Rapids, MI. The number comes from the FFIEC National Information Center institution record, last refreshed here on October 27, 2026.
What is the Union Bank wire routing number?
This page lists the primary routing number registered to Union Bank. The record does not say whether the bank uses the same number for wire transfers. Confirm the wire routing number with Union Bank before sending a wire.
Is ABA number 072404320 the routing number for Union Bank?
Yes. It is the primary routing number registered to Union Bank.
Which bank uses routing number 072404320?
It belongs to Union Bank, headquartered in Grand Rapids, MI. It is the bank's primary ABA routing number (FDIC certificate 14722).
Routing numbers in Grand Rapids, MI
- Bank
- Northpointe Bank: 072413926
- Bank
- Mercantile Bank: 072413829
- Bank
- Independent Bank: 072402652
- Bank
- United Bank of Michigan: 072408805
- Credit union
- Adventure Credit Union: 272480432
- Credit union
- Wmcu Credit Union: 272481004
- Credit union
- Preferred Credit Union: 272480694
- Credit union
- A a C Credit Union: 272480393
View Union Bank's full profile →
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Regulator records: FDIC BankFind (cert 14722) · FFIEC NIC profile (RSSD 390840)