What is the ACH routing number?

Written by Editorial Team | Last Updated: August 2026

An Automated Clearing House routing number is a unique nine-digit numeric code assigned to financial institutions in the United States to identify the specific bank responsible for processing electronic fund transfers, direct deposits, and automatic bill payments. Regulated by Nacha, this standardized code ensures that funds move securely between payer and payee accounts across the national banking system without routing errors or transaction processing delays.

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The routing transit number format 042000314 (frequently formatted or cited as 42000314) typically corresponds to major institutional clearing parameters associated with key regional banking networks in the Midwest.

The routing number for The Owingsville Banking Company, located in Owingsville, Kentucky, is 042106647.

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