Looking for a better business bank? Holdings offers free checking + AI bookkeeping for small businesses. Get started free →

Lake-Osceola State Bk

Baldwin, Michigan

Routing Number

072405604

Bank Details

Institution Name: Lake-Osceola State Bk
Routing Number (ABA/RTN): 072405604
Status: Active — Receives ACH Transfers

Address

790 MI. AVE., P.O. BOX A

Baldwin, MI 49304

📞 (231) 368-6807

Use This For

✓ ACH Direct Deposit
✓ ACH Payments & Bill Pay
✓ Tax Refund Direct Deposit
⚠ Wire Transfers (verify with bank)

Looking for a business bank account with no monthly fees?

Holdings is free business checking — open in about 10 minutes.

Open free account →

Get it done now — free tools from a real finance platform

Built by Holdings \u2014 the banking + accounting platform that keeps businesses and nonprofits audit-ready. Free forever, no account needed. Connect banking and let your books run themselves when you\u2019re ready.

Invoice Generator

Send a professional invoice in 2 minutes — free PDF, no signup.

Quote Generator

Build a quote that wins the job. Free PDF, no watermarks.

Expense Tracker

Track business expenses and categorize for tax time.

Profit Margin Calculator

Know your real margin before you price a job.

See all free tools \u2192

Ready to stop doing it by hand? Explore Invoicing software for small business, Small business accounting software, or Small business bookkeeping software.

Where to Find This Routing Number

Routing number 072405604 appears at the bottom-left of checks issued by Lake-Osceola State Bk.

Check No. 1001

072405604

← Routing Number

0001234567

Account Number

1001

Check #

Frequently Asked Questions

What is the routing number for Lake-Osceola State Bk?

The routing number for Lake-Osceola State Bk in Baldwin, Michigan is 072405604. This ABA routing number can be used for ACH transfers, direct deposits, and wire transfers. Always verify with your bank before initiating a transfer.

Is routing number 072405604 valid?

Yes, routing number 072405604 is an active, valid ABA routing number for Lake-Osceola State Bk located in Baldwin, Michigan. This information is sourced from the Federal Reserve's E-Payments Routing Directory.

Can I use 072405604 for wire transfers?

Routing number 072405604 is registered for Lake-Osceola State Bk in the Federal Reserve's ACH directory. While many banks use the same routing number for both ACH and wire transfers, some large banks have separate wire routing numbers. Contact Lake-Osceola State Bk directly to confirm.

Where is Lake-Osceola State Bk located?

Lake-Osceola State Bk (routing number 072405604) is located at 790 MI. AVE., P.O. BOX A, Baldwin, MI 49304. You can reach them at (231) 368-6807.

What is routing number 072405604 used for?

Routing number 072405604 identifies Lake-Osceola State Bk for electronic transactions including: ACH direct deposits (payroll, tax refunds, government benefits), ACH payments (bill pay, recurring transfers), wire transfers (domestic bank-to-bank), and check processing.

You found your routing number. Now find your books.

Holdings connects to Lake-Osceola State Bk (or any bank) and auto-categorizes every transaction into real books — plus invoicing and donation tracking, all in one dashboard. No spreadsheets. No QuickBooks subscription tax. From $19/mo.

Start free

Related Routing Numbers

Lake Michigan Credit Union

Grand Rapids, Michigan

First Independence Bank

Chemical Bank Shoreline

Citizens National Bank

Cheboygan, Michigan

072402212

Southern Michigan Bank & Trust

Coldwater, Michigan

072402283

Southern Michigan Bank & Trust

Mercantile Bank of Michigan

Wyoming, Michigan

072402665

Hillsdale County National

Mount Pleasant, Michigan

072403004

Lakestone Bank and Trust

Lapeer, Michigan

072403046

Setting up a payment? Get the books done too.

If you're looking up Lake-Osceola State Bk's routing number, you're moving money — invoicing a client or paying a vendor. With Holdings, the bank is the books: get paid and it's already recorded, no separate accounting tool, no month-end reconciliation.

Your bank