Lake Michigan routing numbers

Lake Michigan's ACH and direct-deposit routing number depends on the U.S. state where you opened your account. For domestic wires, Lake Michigan uses 272 480 678 (cross-checked against public directories — confirm before you send). The 9-digit routing number identifies the bank on a transfer; your account number identifies you.

Yes. Lake Michigan assigns ACH and direct-deposit routing numbers by the U.S. state where you opened your account. Check the bottom-left of a Lake Michigan check, your account details in online or mobile banking, or the routing-number table on this page to find the one for your state. Domestic wires use a single routing number regardless of state.

Use the ACH and direct-deposit number for payroll, direct deposit, and everyday transfers. Use the wire number for domestic wire transfers, which also need the recipient's name and address. The two are not interchangeable — sending an ACH payment with a wire routing number (or the reverse) can be rejected, so match the number to the transfer type.

Your routing number is the first 9 digits in the bottom-left of a Lake Michigan check, or in your online and mobile banking under account or routing details. If anyone asks for your online-banking password or full card number to "verify" a routing number, it's a scam — a routing number alone is public.

Lake Michigan is a credit union headquartered in Grand Rapids, MI.

Every number passes the standard ABA checksum. 6 are cross-checked against multiple public routing directories. fin.codes is an independent reference, not a bank — always confirm transfer details with Lake Michigan before sending money.

No. fin.codes is an independent reference and is not affiliated with, authorized by, or endorsed by Lake Michigan.