ADTRUS31
ADIRONDACK TRUST COMPANY FINANCIAL, SERVICES INC is identified on the SWIFT network by the BIC code ADTRUS31, registered in UNITED STATES OF AMERICA (USA). International wire transfers routed through this institution can be tracked free of charge by pasting your UETR or payment reference on the Ohmyfin homepage.
| Institution | Country | Location |
|---|---|---|
| ADTR | US — United States | 31 (test/non-live BIC) |
| SWIFT/BIC | ADTRUS31 (head office, 8-char) |
|---|---|
| Bank | ADIRONDACK TRUST COMPANY FINANCIAL, SERVICES INC |
| Country | UNITED STATES OF AMERICA (USA) (ISO US) |
The SWIFT/BIC (Business Identifier Code) is the international standard ISO 9362 for identifying financial institutions in cross-border payments. ADTRUS31 uniquely identifies ADIRONDACK TRUST COMPANY FINANCIAL, SERVICES INC in UNITED STATES OF AMERICA (USA) on the SWIFT network and is used as the routing identifier in field 57A of an MT103 message (or the equivalent BICFI element in an ISO 20022 pacs.008).
Because ADTRUS31 is an 8-character BIC, it addresses the head office. Branch-level BICs append three additional characters (for example, ADTRUS31XXX for the primary office) and are used when a specific branch must be addressed.
Payments routed through ADIRONDACK TRUST COMPANY FINANCIAL, SERVICES INC can be tracked end-to-end via SWIFT GPI when both the sender and receiver are GPI-enabled. Ohmyfin provides free public lookup of any UETR — paste yours on the homepage to see the latest available status, including which correspondent banks the payment has passed through.
CMNLUS41CPPCUS31DEHCUS31FCABUS31PMFAUS66FSBWUS62SRCEUS31TTAEUS33View all banks in UNITED STATES OF AMERICA (USA) →
ADTRUS31 is the unique SWIFT/BIC code identifying ADIRONDACK TRUST COMPANY FINANCIAL, SERVICES INC in UNITED STATES OF AMERICA (USA). The first four characters (ADTR) are the institution code; the next two (US) are the ISO 3166-1 country code for United States; the next two (31) are the location code; no branch code is present, so this BIC addresses the head office.
Use the Ohmyfin SWIFT tracker on the homepage. Paste the UETR (field 121) or the payment reference (field 20) and Ohmyfin returns the latest available SWIFT GPI status, including each correspondent bank the payment passed through on the way to ADIRONDACK TRUST COMPANY FINANCIAL, SERVICES INC.
ADTRUS31 is 8 characters long — head-office BIC (8-char). An 8-character BIC identifies the bank's head office; an 11-character BIC identifies a specific branch. Both are valid in MT103 field 57A.
Most delays at the beneficiary bank come from sanctions/AML screening on the ordering customer, missing remittance information in field 70, or arrival after the local RTGS cut-off. Use Ohmyfin to see which hop is holding the payment so you can chase the right party.