MCU Routing Number

Having trouble in tracing your Municipal Credit Union Routing Number while sending or receiving wire transfers to or from other States and countries? To avoid canceled payments and delayed transfers, always use the correct routing number.

MCU Routing Numbers for Fund Transfers:

The MCU Routing Number for domestic and international fund transfers is 226078036.

Type of Fund Transfer MCU Routing Number
Domestic Fund Transfer 226078036
International Fund Transfer to MCU Account in the USA 226078036

What is Routing Number?

The nine-digit routing number is used to identify a bank. Consider it an electronic address that enables a bank to send and receive money from other financial institutions. 

The routing number guarantees that money goes to the appropriate account and identifies the financial institution in charge of the payment.

The first two numbers are usually between 00 and 12. While major banks may have many routing numbers, smaller banks are only given one. Routing numbers are required to set up direct deposits with your company (for your paycheck) or the IRS, pay bills, order new checks, and pay bills (for a tax refund).

How to Check Routing Number on Check

MCU Routing Numbers for ACH Payments:

ACH routing numbers are used for electronic transfers and withdrawals. 

You’ll need the ACH Routing Number when sending an ACH transfer to any MCU account.

 The MCU Routing Number for ACH payment is 226078036.

Type of Fund Transfer MCU Routing Number
Domestic Electronic Transfer 226078036

When Routing Number is Required?

You may easily carry out a range of banking operations if you understand what a routing number is and where to locate it.
Numerous routine financial operations involve routing numbers such as:

  1. Requesting your employer to set up direct deposit for your paycheck.
  2. Enabling direct deposit for government funds such as Social Security.
  3. Establishing an online bill payment schedule.
  4. Process checking.
  5. Transferring money by Fund Transfer or ACH Payment.
  6. Registering for peer-to-peer payment systems like PayPal or Venmo.
  7. Initiating transfers between your accounts at various banks.
  8. Making telephone payments from your bank account.
  9. Changing check orders.
Bank Wire Transfer Routing Number

How to Find MCU Routing Number?

There are different ways to trace the Municipal Credit Union routing number:

1-Routing Number on MCU Mobile App: The fastest and easiest way to find the MCU Routing Number is to use Municipal Credit Union Mobile App You can also find the routing number by following these directions:

  • Login to your account and select the required account.
  • Select the Account Information from the Account Options.
  • Here you can find the last four digits of your account number which links to the full account number and the routing number.
How to find Routing Number on Mobile App
Find your Routing Number via Online Banking

2-MCU Routing Number via Online Banking: 

  • By entering into MCU online banking and selecting the correct account, you can get your routing number there.
  • The account title, the last four digits of your account number, and the MCU Routing Number are all visible in the top box.

3-MCU Routing Number on Monthly Statement:

  • The top right corner of your monthly statement has your MCU Routing Number.
  • With e-statements, you can guarantee that your monthly statement is always available to you.
Find Routing Number on Monthly Statement
Routing Number on Check Book

4-MCU Routing Number on Check Book:

  • The nine-digit number printed in the bottom left corner of every check is the MCU Routing Number.

5-On this page and on Website of Federal Reserve:

MCU routing number for checking accounts and Fund transfers is listed on this page and on Website of The Federal Reserve.

Website of Federal Reserve

Frequently Asked Questions

No. The number on an ATM debit card is not a routing number. Debit cards and credit cards don’t use routing numbers. The financial institution links the ATM debit card to your bank account through its banking system.  

No. All bank account holders with accounts set up in the same area have the same routing number. Routing numbers are readily available through online lookup tools.  However, a bank account number should be considered confidential to avoid fraud resulting in the loss of funds. Treat a bank account number with the same degree of confidentiality as a Social Security Number.

No, your IBAN code and SWIFT code are different. Your IBAN identifies the individual bank account you’re using to make your overseas transfer, whereas your SWIFT is much shorter and used to identify a specific bank to verify international payments.

If you have a US bank account, you’ll need your routing number for every transfer and if it’s international, you’ll also need your SWIFT code.

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