The routing number for the Navy Federal credit union is 256074974. It is used for different types of financial transactions including wire and ACH transfers.
Navy Federal CU has only one routing number but other banks and credit unions may have multiple routing numbers.
Let us discuss the Navy Federal Credit Union’s transaction routing number or ABA and how you can find it easily.
What is a Routing Number?
A routing number is a nine-digit identifier number of a bank or credit union for financial transactions. It is also called ABA or bank transaction routing number.
Routing numbers are primarily used to identify a bank or a financial institution. When two banks conduct a financial transaction, a routing number ensures the transaction is processed by and to the right bank.
Each bank, credit union, and the financial institution will have a unique routing number. Financial institutions and banks with similar names will have different and unique nine-digit routing numbers.
It is pertinent to mention that a bank or credit union may have more than one routing number. However, each routing number owned by a financial institution will be unique and cannot be duplicated by any other organization.
What is the Routing Number for Navy Federal Credit Union?
The routing number for Navy Federal Credit Union is 256074974. Navy Federal CU has only one routing number for its domestic and international funds transfers. It is the same number for all states and territories in the US as well.
ACH Routing Number
Customers sending money through an Automated Clearing House (ACH) transaction will need the Navy Federal CU routing number 256074974.
Customers use ACH transactions to send and receive money from domestic banks usually. Navy Federal CU also offers ACH transactions for sending and receiving money.
Customers receiving money through an ACH transaction will first need to activate ACH debit for their accounts.
Once approved, they can provide their bank account and transaction routing number 256074974 to their sending partner.
Customers sending money through an ACH transaction will need the routing number of the receiving bank or financial institution.
They’ll also need other information like the account title, SWIFT code, and IBAN from the receiver.
Wire Transfer Routing Number
Navy Federal CU also offers wire transfers for domestic and international transactions. Customers will need the same routing number 256074974 for wire transfers as well.
Customers receiving money through wire transfers will need to provide the following information to their senders:
- Account title of the NFCU account
- Account number
- Navy Federal’s Routing Number (256074974)
- Navy Federal’s address: 820 Follin Lane SE, Vienna, VA 22180
Customers sending money through wire transfers will need the same information from the receiving customers and their financial institutions.
What are the Uses of the Routing Number for US Navy Federal Credit Union?
The routing number for Navy Federal CU is used for all types of financial transactions conducted through your credit union account.
You’ll need the Navy Federal CU routing number for transactions including:
- A direct deposit
- Automatic loan and mortgage payments
- Receiving money through a salary or pension deposit into your CU account
- Send and receive money through wire and ACH transfers
- Pay and receive checks
- Receiving tax refunds or tax debit transactions
Sometimes the financial institution conducting a transaction will automatically generate the routing number.
However, you’ll need to provide the Navy Federal CU routing number in some cases to your transaction partner.
How to Find the Routing Number for Navy Federal Credit Union?
Finding the routing number for Navy Federal Credit Union is easier than other credit unions and banks as it has only one routing number.
There are a few ways to look up the routing number if you do not remember it.
The first option is to find it on your paper checks if you have a checking account. It is written on the bottom left corner on a paper check.
The first nine digits of this long number are your routing number.
The second option is to look up the routing number in your Navy Federal CU account statement. It will be written on the first page usually.
Then, you can easily look up the routing number on the official web page of Navy Federal CU. It may be available on official social media pages too.
You can also get the routing number by calling the Navy Federal CU helpline and asking the customer service agent.
Finally, look up the routing number of US Navy Federal CU or any other American bank on the American Bankers Association’s routing number lookup feature.
The routing number for banks and credit unions may change over time. So, you should carefully check these resources and verify the routing number before making a transaction.
Frequently Asked Questions on the Routing Number of Navy Federal Credit Union
Let us now answer some frequently asked questions (FAQs) on the routing number of Navy Federal Credit Union.
Is Routing Number the Same as a Swift Code?
No, the routing number and SWIFT codes are different numbers. Although both these numbers are used to identify a financial institution like a bank or credit union these are different.
Can a Bank have Multiple Routing Numbers?
Yes, a bank can have multiple routing numbers assigned for its different branches, regions, and states. These numbers can change if branches in certain locations are closed.
Does Navy Federal Credit Union have a Different Routing Number for Each State or Territory in the US?
No, the Navy Federal credit union has a single routing number for all US states and territories. However, some leading banks like the Bank of America have multiple routing numbers for different states.
Can You Wire Transfer without a Routing Number?
Even if you do not provide the routing number to your banking agent, the routing number will be used in the transaction. Each wire or ACH transfer uses the routing number of the destination bank or credit union.
Which Routing Number Should You Use to Send or Receive Money?
You’ll need the routing number of the receiving person’s bank or credit union when sending the money to someone.
When you receive money, you’ll use the Navy Federal credit union’s routing number 256074974.
How to Find the Routing Number Quickly?
The quickest way to find the routing number is to locate it on your paper check, bank statement, or the official web page of Navy Federal Credit Union.
What are SWIFT, BIC, and IBANs, and how do I find them?
The SWIFT code and BIC are usually banking identification numbers used for international transfers.
IBAN is the full account number of an account holder in the recognized format for international transactions.
You can search for these numbers on your account statement, on official web pages of banks/credit unions, and through customer service agents.