Bank Routing Number

Waterford Bank, N.A. Routing Number

The primary ABA routing number (RTN) for Waterford Bank, N.A., Toledo, OH is shown below.

Primary ABA / RTN

041215854

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 Waterford Bank, N.A. routing number?

The Waterford Bank, N.A. routing number is 041215854. It is the primary ABA routing transit number registered to Waterford Bank, N.A., headquartered in Toledo, OH. 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 Waterford Bank, N.A. wire routing number?

This page lists 041215854, the primary routing number registered to Waterford Bank, N.A. 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 Waterford Bank, N.A. before sending a wire.

Is ABA number 041215854 the routing number for Waterford Bank, N.A.?

Yes. ABA number 041215854 is the primary routing number registered to Waterford Bank, N.A. 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 041215854?

Routing number 041215854 belongs to Waterford Bank, N.A., headquartered in Toledo, OH. It is the bank's primary ABA routing number (FDIC certificate 58433).

Routing numbers in Toledo, OH

Bank: Signature Bank, N.A.: 041215621
Credit union: University of Toledo Federal Credit Union: 241282658
Credit union: Champion Credit Union, Inc.: 241281882
Credit union: Educational Community Alliance Credit Union: 241282603
Credit union: Toledo Metro Federal Credit Union: 241282506
Credit union: Promedica Federal Credit Union: 241282373
Credit union: Toledo Police Federal Credit Union: 241282522
Credit union: Toledo Firefighters Federal Credit Union: 241282483

All routing numbers in Ohio

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Regulator records: FDIC BankFind (cert 58433) · FFIEC NIC profile (RSSD 3588424)