CNORUS44SMK — NORTHERN TRUST COMPANY, THE

The SWIFT code CNORUS44SMK identifies NORTHERN TRUST COMPANY, THE in CHICAGO, IL, United States. This branch code is used for cross-border payments and SWIFT network routing.

The 8 or 11 characters of CNORUS44SMK are parsed as follows: characters 1-4 (CNOR) represent the bank code for NORTHERN TRUST COMPANY, THE; characters 5-6 (US) indicate the country code for United States; characters 7-8 (44) specify the location code; and the final characters (SMK) designate the specific branch.

CNORUS44SMK is formatted as a valid ISO 9362 Business Identifier Code and is listed in our reference directory for NORTHERN TRUST COMPANY, THE in CHICAGO, IL, United States. Our directory records come from an open community compilation last updated in 2024, so listing is not confirmation of current status — SWIFT does not publish a free live status feed. Always confirm the code with the beneficiary bank before sending funds.

NORTHERN TRUST COMPANY, THE is registered in CHICAGO, IL, United States. While specific street-level coordinates are not published for this record, payments route to its registered municipality in United States.

An 8-character BIC (BIC8) identifies an institution's primary head office, while an 11-character BIC (BIC11) specifies a distinct branch or department. Appending 'XXX' to CNORUS44 forms the conventional head-office branch suffix; both formats route validly on the network.

CNORUS44SMK identifies the SMK branch of NORTHERN TRUST COMPANY, THE in CHICAGO, IL, United States. The branch code characters 'SMK' target this specific clearing node directly within NORTHERN TRUST COMPANY, THE's branch network.

SWIFT codes like CNORUS44SMK identify the bank institution, while IBANs (ISO 13616) identify the individual customer account. Within SEPA (ECB SEPA), IBANs are sufficient for routing; outside SEPA, both SWIFT BIC and account number are typically required.

Using an incorrect code can delay transfers, cause payment returns, or route funds to an incorrect institution. Correspondent banks along the route may charge return processing fees, and currency conversion losses may occur. Always verify details with the beneficiary.

International SWIFT wires typically settle within 1 to 5 business days, depending on time zones, clearing cut-offs, correspondent hops (BIS CPMI), and compliance checks.

When sending and receiving banks lack direct clearing accounts, transfers route through intermediary correspondent banks (BIS CPMI) that maintain shared Nostro/Vostro accounts. Each hop may deduct a handling fee.

No. CNORUS44SMK is an international ISO 9362 SWIFT BIC. Domestic transfers in United States clear through undefined under [object Object] oversight (primary currency: USD). SWIFT BICs route cross-border transactions.

This record is sourced from an open community BIC compilation (2024 vintage). For full data provenance, see our Data Sources Register.

Confirm the exact BIC and account details directly with your beneficiary, verify beneficiary bank name match, and beware of invoice fraud. Reference directories are for verification support.