Hometown Bank: Routing Numbers, Services & Strategic Guide (2025)

📌 Table of Contents

1. Overview: Why Multiple “Hometown Banks”
2. Understanding Routing Numbers (ABA/RTN)
3. HomeTown Bank – Minnesota (Routing 291270461)
4. HomeTown Bank – Texas (Routing 113100570)
5. Hometown Community Banks – Illinois (Morton Community Bank)
6. bankHometown – Massachusetts (Routing 211371926, plus variants)
7. Routing Number Uses & Importance
8. Common Features & Account Types
9. Digital Banking & Accessibility
10. Branch Networks & Community Engagement
11. How to Choose Which Hometown Bank Suits You
12. Security, Fraud Prevention & Tips
13. FAQs: Cross‑Institution Clarifications
14. Strategic Advice: Getting the Best Deals
15. Conclusion

1. Overview: Why Multiple “Hometown Banks”?

Across the U.S., several banks share the name “Hometown”—but are completely separate entities. Each has its own charter, routing number, service area, and product offerings. This guide explores the most common:

• HomeTown Bank (Minnesota)
• HomeTown Bank (Texas)
• Hometown Community Banks (Illinois, part of Morton Community Bank)
• bankHometown (Massachusetts) – includes variants such as Hometown Bank Kent/Brimfield, Oxford, etc.

Each serves different regions and offers distinct services, but knowing which you bank with is crucial for accurate transactions.

2. Understanding Routing Numbers (ABA/RTN)

A routing number (or ABA routing transit number) is a unique 9-digit code used to identify U.S. financial institutions. It routes ACH transfers, direct deposits, bill payments, and domestic wire transfers. The first nine digits at the bottom-left of a check represent this routing number; account numbers follow next

Even large banks may have multiple routing numbers, while smaller community banks often use one for all services. For wire transfers, you may also need a SWIFT/BIC—but that only applies to international transactions.

3. HomeTown Bank – Minnesota (Routing 291270461)

• Routing Number: 291270461 — supports ACH transfers; Fedwire status may vary
• Headquarters: Redwood Falls, MN, serving communities across Carver, Shakopee, Waconia, St. Peter, etc.
• Offers personal, business, agriculture banking, loans, and community-focused services.
• Does not appear to have separate routing numbers for wire vs ACH—all transactions use 291270461

4. HomeTown Bank – Texas (Routing 113100570)

• Routing Number: 113100570, valid for both ACH and wire transfers
• Based in Galveston, TX; also operating branches in Friendswood and other coastal regions.
• Offers standard banking products and emphasizes personal service aligned with Texas communities.

5. Hometown Community Banks – Illinois (Morton Community Bank)

• Parent Entity: Morton Community Bank, Illinois, with over $5.6 billion in assets and 52 branches across central Illinois
• Operates Hometown Community Banks divisions (e.g., Eureka Community Bank, Clock Tower, Bartonville, etc.)
• Likely shares routing numbers across divisions; exact code often via Morton Community Bank information (frequently found as 071123204, though confirmation needed).

6. bankHometown – Massachusetts (Routing 211371926 and variants)

• Routing Number: 211371926 supports ACH and wire transfers; used across branches in Oxford, Millbury, Athol, Worcester, etc.
• Also uses additional routing numbers such as 011102133, 211370639, 211371968 depending on type or branch
• Provides checking, savings, CDs, business services, home loans, and digital banking under the bankHometown brand

7. Routing Number Uses & Importance

Routing numbers are essential for:

• ACH transfers, like payroll direct deposits and bill payments
• Fedwire domestic wires (same-day transfers)
• Check processing, where they appear at bottom-left of checks
• Linking external accounts or apps like PayPal, Venmo, payroll services

Always verify the correct routing number via official bank sources—especially since some banks operate under multiple routing codes depending on branch or transfer type

8. Common Features & Account Types

Although separate banks, most Hometown Banks offer overlapping services:

• Personal savings and checking accounts (often with tiered or reward checking)
• Certificates of Deposit (CDs)
• Business banking, merchant services
• Home and personal loans, credit cards
• Digital banking features (online/mobile apps, e-statements)
• Community-oriented services, local lending, and sponsorships

Unique features may include Kasasa accounts in Massachusetts or agriculture financing in Minnesota.

9. Digital Banking & Accessibility

• bankHometown Massachusetts offers online banking, telephone banking, and advanced features like digital account tokens for mobile payments and card tokenization.
• Hometown Community Banks Illinois provides a mobile app for secure transfers, bill pay, alerts, and branch locator .
• Other branches offer eStatements, bill pay reminders, and customer support hotlines.

10. Branch Networks & Community Engagement

• Minnesota: Located in multiple small towns (Redwood Falls, St. Peter, Le Sueur, etc.) with community lending focus .
• Texas: Galveston, Friendswood, and coastal branch locations with local emphasis
• Illinois: 52-branch network across central Illinois under Morton and its Hometown divisions
• Massachusetts (bankHometown): Branches across Oxford, Millbury, Worcester, Athol, Putnam, etc. Over 10 offices with extended hours and regional customer care

11. How to Choose Which Hometown Bank Suits You

Choose based on your location, service needs, and whether you need branch access or online-first banking.

12. Security, Fraud Prevention & Tips

• Routing numbers are public—but protect your account number, as leaked account numbers lead to fraud attempts.
• Use multi-factor authentication and secure passwords on mobile apps.
• bankHometown supports digital account tokens (e.g. for Samsung Pay or Google Pay), minimizing exposure of your card data
• Always verify routing/account numbers before initiating large transfers.

13. FAQs: Cross‑Institution Clarifications

Q1. Can I use any routing number for inter-bank transfers?
A: No—you must use the routing number specific to your Hometown Bank and region.

Q2. Do all Hometown Banks support wire transfers?
A: Most do, but especially the Texas and Massachusetts variants explicitly support Fedwire; Minnesota may not for some branch types

Q3. Why are multiple routing numbers listed for bankHometown (MA)?
A: They may assign different ABA numbers by transaction type or branch. Confirm with your account’s disclosure statements.

Q4. Are wire transfer SWIFT codes used?
A: Yes—especially for Massachusetts bankHometown: HOMTUS32

Q5. Can I bank across multiple Hometown banks interchangeably?
A: No—they are separate legal entities. An account with one isn’t recognized by another; routing numbers conflict.

14. Strategic Advice: Getting the Best Deals

• Select the correct routing number every time: Using the wrong code may misroute funds.
• Check digital tools (online statements, FAQs) to locate routing number & account info.
• Shop CD or savings rates within your local branch versus online rate aggregators—they may offer competitive specials or loyalty pricing.
• Use tokenized mobile payments to keep your card number hidden (massachusetts bankHometown feature)
• Maintain FDIC limits: If balances exceed $250K, consider multiple banks or account ownership structures for full insurance coverage.

15. Conclusion

The name “Hometown Bank” may suggest a unified brand—but in reality, there are several independent banks operating under this moniker across Minnesota, Texas, Illinois, and Massachusetts. Each offers unique services, branch networks, and routing numbers:

• Minnesota: Routing 291270461
• Texas: Routing 113100570
• Illinois: Hometown Community Banks under Morton Community Bank (multiple divisions)
• Massachusetts: bankHometown with routing 211371926 (and others)

Knowing your specific bank and its routing number is critical for accurate transactions, direct deposits, and bill payments. Choose based on your local region, account needs, and desired services like digital banking or CD rates.