How do I find my Navy Federal routing number without a check?

There are several ways to find your Navy Federal routing number or account number, such as: Navy Federal Credit Union's website. The Navy Federal Credit Union mobile app. Call Navy Federal's customer service line at 888-842-6328. Assistance is available 24/7.

Do all Navy Federal accounts have the same routing number?

Yes, Navy Federal has one routing number for all accounts .

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Navy Federal Routing Number: How To Find Yours Quickly

February 5, 2025

4 min Read

Written by Max Lance

Edited by Elizabeth Constantineau

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Navy Federal Routing Number: How To Find and Use It

Often, there are many numbers you have to keep in your head, such as phone numbers, account numbers, credit card numbers and more. Thanks to technology such as mobile apps or online banking accounts, you no longer need to commit these numbers to memory, but it is still good to know where to find them. This also holds true when you need to receive money, such as through a wire transfer, as knowing the routing number makes the process a breeze.

Navy Federal Routing Number

Navy Federal has one routing number:

Navy Federal Routing Number
256074974

How To Find Your Navy Federal Routing Number

There are many ways to find your Navy Federal routing number. Here are some helpful hints on where you can easily find it.

On a Check

The routing number is always the first set of numbers at the bottom left-hand corner of your checks. The second set of numbers is your account number, and the final set of numbers is the check number.

how to find your routing number on a check

Through Online Banking

You can check Navy Federal Credit Union’s website or mobile app to access your account and find your routing number.

Log in to your account.
Navigate to the account details section.
Your routing number should show up next to your account number.

By Contacting Customer Service

Another way to find your routing number is by calling Navy Federal’s customer service line at 888-842-6328. Assistance is available 24/7.

Navy Federal Routing Numbers for Wire Transfers

Navy Federal uses the same routing number for domestic wire transfers as it does for direct deposits and checks. Other financial institutions, however, opt to use a separate routing number for wire transfers, so it is important to check with the specific bank or credit union to determine if this is the case and if so, what the wire transfer routing number is.

International wire transfers sometimes require a SWIFT code, a series of eight to 11 characters, including both numbers and letters.

Note: Navy Federal does not process foreign currency in wire transfers. If you are receiving an international transfer, the sender must convert the funds to U.S. dollars and may need an intermediary bank before the funds reach your Navy Federal account.

Here’s the information you’ll need to complete a wire transfer with Navy Federal:

Transfer Type	Routing Number	SWIFT Code
Domestic Wire Transfer	256074974	N/A
International Wire Transfer	256074974	NFCUUS33

Navy Federal Routing Number vs. Account Number: What’s the Difference?

Each checking account comes with two unique numbers. The first is your account number, which helps the bank track your deposits, withdrawals and transactions. The second is the routing number, which identifies the bank itself and ensures your money moves to the right place when making payments or transfers.

How To Use Your Navy Federal Routing Number

You’ll need your Navy Federal routing number for different banking transactions.

Setting up direct deposit: Get your paychecks and government benefits directly deposited into your account.
Making ACH transfers: Send or receive money electronically between banks.
Paying bills online: Link your checking or savings accounts to pay your bills online.

More About Navy Federal

FAQ

Here are some answers to frequently asked questions about Navy Federal’s routing number.

How do I find my Navy Federal routing number without a check?
- There are several ways to find your Navy Federal routing number or account number, such as:
  - Navy Federal Credit Union's website.
  - The Navy Federal Credit Union mobile app.
  - Call Navy Federal's customer service line at 888-842-6328. Assistance is available 24/7.
Do all Navy Federal accounts have the same routing number?
- Yes, Navy Federal has one routing number for all accounts.
Can I use the same routing number for wire transfers at Navy Federal?
- Yes, Navy Federal has one routing number for wire transfers. You'll also need a SWIFT code, which is NFCUUS33. As a note, Navy Federal does not process foreign currency in wire transfers. If you are receiving an international transfer, the sender must convert the funds to U.S. dollars. They may need an intermediary bank before the funds reach your Navy Federal account.

Caitlyn Moorhead contributed to the reporting for this article.

Information is accurate as of Feb. 5, 2025.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.