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Wray State Bank routing numbers

Wray State Bank's routing number is 102 102 932 for direct deposit and ACH transfers (cross-checked against public directories — confirm before you send).

Cross-checkedFDIC BankFind Suitechecked June 28, 2026
⑆ Routing numbersWray State Bank
Direct deposit & ACHCross-checked

Direct deposit, payroll, and ACH transfers

102 102 932

Cross-checked against public routing directories, not the bank itself. Always confirm with the bank before you send money.

Type
bank
Headquarters
Wray, CO
FDIC certificate
22447
FDIC reported assets
$304.0M
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Find your Wray State Bank routing number

Where to look: a check, online banking, the mobile app.

  1. Look at the bottom-left of a Wray State Bank check — the first 9 digits are your routing number.
  2. Or sign in to online or mobile banking and open your account or routing details.
  3. Or call the number on the back of your card and ask for the ABA routing number for your account.
  4. Confirm the number with the bank before using it for direct deposit or a transfer.
Before you send

Check these before you send money

  • Confirm the bank name on the transfer matches Wray State Bank.
  • Match the number to the transfer type — ACH and direct deposit use one number, domestic wires another.
  • For wires, double-check the recipient's name and address too.
  • If instructions arrived by email, confirm them on Wray State Bank's official site or phone line before sending.
  • No one should ever need your password or full card number to confirm a routing number — that's a scam.
FAQ

Wray State Bank routing number FAQ

What is Wray State Bank's routing number?

Wray State Bank's routing number is 102 102 932 for direct deposit and ACH transfers (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.

How do I find my Wray State Bank routing number?

Your routing number is the first 9 digits in the bottom-left of a Wray State Bank 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.

Where is Wray State Bank headquartered?

Wray State Bank is a bank headquartered in Wray, CO.

How does fin.codes check Wray State Bank's routing numbers?

Every number passes the standard ABA checksum. 1 is cross-checked against multiple public routing directories. fin.codes is an independent reference, not a bank — always confirm transfer details with Wray State Bank before sending money.

Is fin.codes affiliated with Wray State Bank?

No. fin.codes is an independent reference and is not affiliated with, authorized by, or endorsed by Wray State Bank.

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Independent reference. Not affiliated with, endorsed by, or authorized by any financial institution. Confirm routing or SWIFT details directly with your bank before sending money.