Here’s Your America First Routing Number
There's just one routing number for America First Credit Union.If you found yourself here, that means you’re in need of your America First Credit Union routing number, so without further ado, here it is:
| America First Credit Union Routing Number |
| 324377516 |
What Is a Routing Number?
A routing number is a nine-digit code that every bank or credit union receives from the U.S. Federal Reserve. Routing numbers are usually used for wire transfers from one institution to another. No two banks or credit unions have the same routing number, although some larger institutions have multiple routing numbers organized geographically. SWIFT numbers, on the other hand, are used to receive an overseas or international money transfer. America First’s website lists a couple of uses for a routing number, such as using one for “direct deposit, wire transfers, tax purposes, paying utilities” and more.
Find Out: How to Set Up Direct Deposit Using Your Routing Number
How Does a Routing Number Work?
Routing numbers were first used by the American Bankers Association — hence why they’re sometimes called ABA numbers — in 1911. The digits comprising the routing aren’t randomized; each digit indicates a particular attribute about the bank:
- The first four digits are called the Federal Reserve Processing Symbol. The first two digits deal with the head branch of the Federal Reserve district that serves the bank. The third digit indicates the Federal Reserve processing center assigned to the bank. The fourth digit specifically indicates the bank’s location.
- The next four digits are actually randomized, assigned to bank per the ABA.
- The final digit is the “check digit” that confirms the bank’s validity.
While these numbers don’t make bank fraud impossible, they do make it possible financial institutions to “talk” to each other so each knows where funds are coming from. Essentially, routing numbers are used to identify banks during financial transactions to ensure funds are properly being received and distributed by the correct parties.
Learn: How to Find Your Bank Routing Number in Seconds
How to Find Your America First Routing Number
Your check is always a great place to looking for your routing number; it’s the nine-digit cluster of numbers located on the lower left corner of your check. Additionally, you can call the bank at 800-999-3961, or visit its website to confirm you have the correct routing number.
Be mindful not to confuse your account number, which is assigned by the bank to you personally in order to provide a destination for transfers and wires, with your routing number.
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