Indiana's manufacturing backbone — anchored by the auto industry, pharmaceutical giants like Eli Lilly, and a sprawling logistics sector centered on Indianapolis — means payroll direct deposit is the most common reason Hoosiers look up their routing numbers.
Unlike coastal states with complex multi-bank landscapes, Indiana's banking market is more concentrated: a handful of large regional banks dominate, with Old National Bank and First Internet Bank being Indiana originals. Major national banks in Indiana use Midwestern routing numbers that are shared across multiple states in some cases, unlike California or Texas where each state has a fully distinct number.
National Banks in Indiana
These banks use Indiana-specific ACH routing numbers for accounts opened in Indiana.
| Bank | ACH Routing # | Wire Routing # | Notes | Verify |
|---|---|---|---|---|
| Capital One | 051405515 | 056073502 | Capital One uses a single routing number for all states. | Verify |
| Ally Bank | 124003116 | 124003116 | Ally is online-only and uses the same routing number for all states. | Verify |
| Charles Schwab Bank | 121202211 | 121202211 | Schwab Bank uses a single routing number nationwide. | Verify |
When You Need a Indiana Routing Number
Direct Deposit
Use your ACH routing number for payroll setup.
Tax Refunds
IRS refunds use ACH — always use the ACH number.
Wire Transfers
Large payments require a separate wire routing number.
Bill Pay
Autopay uses the ACH routing number, same as your checks.
Regional Banks in Indiana
Headquartered or major operations in Indiana. Typically one routing number statewide.
Old National Bank
SiteEvansville, IN-based bank — largest Indiana-headquartered bank. Merged with First Midwest (IL) in 2022.
First Internet Bank
SiteWorld's first state-chartered internet bank, founded in Indiana in 1999.
Horizon Bank (IN)
SiteMichigan City, IN regional bank serving northern Indiana and southwestern Michigan.
Indiana Credit Unions
First Internet Bank, founded in Fishers, Indiana in 1999, was the world's first chartered internet-only bank — a decade before mobile banking became mainstream.
FORUM Credit Union
SiteIndianapolis CU open to anyone who lives or works in Marion County and surrounding areas.
Hoosier Hills Credit Union
SiteSouthern Indiana CU serving Bartholomew, Brown, and surrounding counties.
Purdue Federal Credit Union
SiteServing Purdue University employees, students, alumni, and family.
Teachers Credit Union (IN)
SiteSouth Bend CU originally for teachers. Now open to many Indiana residents.
FAQ — Indiana Routing Numbers
Old National Bank uses 074908594 for Indiana ACH transactions. Old National is the largest bank headquartered in Indiana, and after its 2022 merger with First Midwest Bank (Illinois), it became one of the 30 largest banks in the US. If your account was opened in Illinois with First Midwest before the merger, you may have a different legacy routing number — check with Old National directly.
First Internet Bank (FDIC member) was the world's first state-chartered internet bank when it launched in Indiana in 1999. It operates entirely online with no physical branches. It's a fully regulated, FDIC-insured institution headquartered in Fishers, Indiana. Their routing number is 074014225. Because there are no branches, all customer service is conducted online or by phone — a tradeoff that comes with significantly higher interest rates on savings accounts.
No. Chase uses 074000010 for Indiana ACH accounts and 044000037 for Ohio. Indiana's Chase routing number traces back to the Bank One Indiana legacy, while Ohio's reflects a different Bank One entity. If you recently moved between these states and opened a new Chase account, make sure your employer or direct deposit source has the correct state-specific number.
Purdue Federal Credit Union membership extends beyond just students and staff. Family members of current members are eligible, as are many residents of communities near Purdue campuses across Indiana. Their routing number is 274471982. If you're unsure about eligibility, contact them directly — credit union membership rules often have more flexibility than people expect.
A routing number is a 9-digit ABA code identifying a financial institution. National banks maintain state-specific routing numbers inherited from regional bank acquisitions to avoid disrupting millions of existing direct deposit setups.