Bank routing number ยท Clearwater, Florida
Waterfall Bank Routing Number (ABA): 063117040
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The Waterfall Bank routing number is 063117040. It is the primary ABA routing transit number on the bank's FFIEC National Information Center record, refreshed here on October 27, 2026.
Waterfall Bank at a glance
Its CET1 capital ratio was 13.45% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $409.9M
- CET1 ratio, Q2 2026
- 13.45%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Domestic offices
- 2 FDIC institution directory, current count
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 2021
Full financial profile · Is Waterfall Bank safe? · Waterfall Bank call report · Branch locations
Waterfall Bank routing numbers on file
| Routing number | Type | Status | Source |
|---|---|---|---|
| 063117040 | Primary ABA | Active | FFIEC NIC |
Record refreshed here on October 27, 2026. NIC holds one primary number per bank; Waterfall Bank publishes any other numbers it uses itself.
What the digits mean
The first two digits, 06, place this number in the Federal Reserve Bank of Atlanta's district (District 6). Digits five through eight, 1704, 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 Waterfall 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 Waterfall Bank checks or in its online banking. Ask the bank for wire instructions (www.waterfallbank.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 Waterfall Bank
Waterfall Bank is headquartered in Clearwater, Florida and was established in 2021. It is in the TAMPA-ST. PETERSBURG-CLEARWATER, FL metro area. It reported $409.9M in total assets and $330.3M in deposits for Q2 2026, the 48th largest of the 81 banks headquartered in Florida. It reports 2 domestic offices. Its deposits have been FDIC insured since 2021. Its primary federal regulator is the FDIC. 3 other banks and credit unions headquartered in Clearwater have a routing number listed here.
What the digits in 063117040 mean
The first four digits, 0631, are the Federal Reserve routing symbol. The prefix 06 places the number in the 6th Federal Reserve District (Atlanta). That is also the district where the bank is headquartered. Digits five through eight, 1704, 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 1 + 7 x 11 + 10 = 90, a multiple of 10, so 063117040 is a well-formed routing number. A mistyped digit almost always breaks that sum.
What is the Waterfall Bank routing number?
The Waterfall Bank routing number is 063117040. It is the primary ABA routing transit number registered to Waterfall Bank, headquartered in Clearwater, FL. The number comes from the FFIEC National Information Center institution record, last refreshed here on October 27, 2026.
What is the Waterfall Bank wire routing number?
This page lists the primary routing number registered to Waterfall Bank. The record does not say whether the bank uses the same number for wire transfers. Confirm the wire routing number with Waterfall Bank before sending a wire.
Is ABA number 063117040 the routing number for Waterfall Bank?
Yes. It is the primary routing number registered to Waterfall Bank.
Which bank uses routing number 063117040?
It belongs to Waterfall Bank, headquartered in Clearwater, FL. It is the bank's primary ABA routing number (FDIC certificate 59265).
Routing numbers of similar-size institutions in Florida
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- Credit union, Clearwater, FL
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- Credit union, San Antonio, FL
- San Antonio Citizens Federal Credit Union: 263182040
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- TCM Bank, N.A.: 063114357
View Waterfall Bank's full profile →
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Regulator records: FDIC BankFind (cert 59265) · FFIEC NIC profile (RSSD 5650923)