Kentucky's economy spans centuries-old bourbon distilling, the global horse racing industry centered on Lexington, and a booming logistics sector anchored by Louisville's position as a UPS and Amazon sorting hub — each industry with distinct payroll and banking patterns.
Louisville is home to Humana, one of the largest health insurance companies in the US, and Kindred Healthcare — together employing tens of thousands of workers in the healthcare sector. Stock Yards Financial Corporation is Kentucky's most prominently local banking brand, operating as both a bank and a wealth management firm from its Louisville base.
National Banks in Kentucky
These banks use Kentucky-specific ACH routing numbers for accounts opened in Kentucky.
| 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 |
Finding Your Routing Number on a Kentucky Check
The 9-digit number at lower-left is your ACH routing number. Wire routing numbers differ and are not printed on checks.
Regional Banks in Kentucky
Headquartered or major operations in Kentucky. Typically one routing number statewide.
Stock Yards Bank & Trust
SiteLouisville, KY bank. One of Kentucky's largest locally owned financial institutions.
Republic Bank & Trust (KY)
SiteLouisville-based bank specializing in tax refund advance loans.
Peoples Bank of Kentucky
SiteMunfordville, KY community bank serving central Kentucky.
Traditional Bank
SiteMount Sterling, KY community bank serving east-central Kentucky.
Kentucky Credit Unions
Stock Yards Bank & Trust was founded in 1904 to serve the Louisville cattle stockyards — one of the few US banks that literally began as a livestock industry financial institution.
Commonwealth Credit Union
SiteFrankfort, KY CU for Kentucky state government employees and their families.
L&N Federal Credit Union
SiteLouisville CU originally for Louisville & Nashville Railroad workers. Now broadly open.
University of Kentucky FCU
SiteLexington CU for UK employees, students, and alumni.
Centric Federal Credit Union
SiteLouisiana-origin CU with strong Kentucky membership base.
FAQ — Kentucky Routing Numbers
Chase uses 083000137 for ACH transactions on Kentucky accounts. Kentucky's Chase routing number comes from the Bank One Kentucky heritage — Bank One had a major presence in Louisville and Lexington before the JPMorgan Chase merger. Wire transfers use 021000021 nationally regardless of which state your account was opened in.
Fifth Third Bank uses 083002342 for ACH transactions on Kentucky accounts. Fifth Third Bank is headquartered in Cincinnati, Ohio, just across the Ohio River from northern Kentucky — making it one of the most naturally present banks in the state. Many Covington and Newport, KY residents bank with Cincinnati-area institutions including Fifth Third.
Yes — Stock Yards Bank & Trust (founded 1904) is named after the Louisville stockyards, where it was established to serve the cattle trading industry. Today it's one of Kentucky's most respected community banks offering personal and commercial banking, wealth management, and insurance. Their routing number is 083900822.
Yes — L&N Federal Credit Union long ago shed its exclusivity for Louisville & Nashville Railroad workers. It now serves a much broader community including many Louisville-area residents. Their routing number is 283978684. As with most credit unions, you can check their current membership eligibility on their website.
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.