City Union Bank Ernakulam
Ernakulam · Ernakulam, Kerala
636054008 is the MICR code for the Ernakulam branch of City Union Bank, located in Ernakulam, Kerala. MICR codes are printed on cheque leaves and used by the RBI's Cheque Truncation System (CTS) for cheque clearing. For online transfers, use the IFSC code CIUB0000086.
Bank
City Union Bank
Branch & Address
Ernakulam
Door no 61, 181, A1 Ground Floor, Chakiat Estate, Church Landing Road, Near Pallimukku Junction, Ernakulam
Ernakulam, Ernakulam, Kerala
Contact
+914842353383MICR Code Structure
636
City
054
Bank
008
Branch
City code 636 identifies the RBI clearing centre, bank code 054 identifies City Union Bank, and branch code 008 identifies this specific branch.
Online Payment Methods Supported
Other City Union Bank branches near Ernakulam
Other banks in Ernakulam, Kerala
About MICR Codes
What is a MICR code used for?
MICR (Magnetic Ink Character Recognition) codes are printed on cheque leaves using special magnetic ink. They are read by cheque processing machines and used by the RBI's Cheque Truncation System (CTS) to process and clear cheque payments between banks. Each MICR code uniquely identifies a bank branch for cheque clearing purposes.
MICR vs IFSC — when do I use which?
Use MICR when paying by cheque — it's already printed on your cheque leaf and used automatically during clearing. Use IFSC (CIUB0000086) when making online transfers via NEFT, RTGS, IMPS, or UPI — banks ask for IFSC when you add a beneficiary for online payments.
Where is the MICR code on a cheque?
The MICR code is printed at the bottom of every cheque leaf in a distinctive machine-readable font, using magnetic ink. It appears in the centre of the three numbers at the bottom — the cheque number is on the left, the MICR code 636054008 is in the middle, and your account number is on the right.