Deseret First Credit Union Routing Number
Written by
Rudri Patel
Edited by
Melanie Grafil
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If you’re a Deseret First Credit Union customer, knowing the bank’s routing number is essential to complete wire transfers, order new checks, use bill pay or setting up direct deposits. Routing numbers uniquely identify banks, which ensures your transaction runs smoothly. Keep reading to find out Deseret First Credit Union’s routing number and how to use it.
Deseret First Credit Union Routing Number
The Deseret First Credit Union routing number is 324078909. You need to remember this one number to obtain wire and ACH transfers.
What Is a Routing Number?
A routing number, also known as an ABA, which stands for American Bankers Association, number or transit number, is a nine-digit code that identifies financial institutions within the United States. Each bank or credit union is assigned a unique routing number to facilitate electronic transactions, such as wire transfers, direct deposits, bill payments, and check processing.
Routing numbers ensure that money is routed to the correct financial institution and account, avoiding costly mistakes or delays.
What Is the Difference Between a Routing Number and Your Account Number?
The routing number is the special nine-digit code that identifies a specific banking institution, while your account number is a series of numbers that specifies your individual account with that institution.
Where Do You Find Your Deseret First Credit Union Routing Number?
There are five ways to find your Deseret First Credit Union Routing Number. They include the following:
Access Your Checks
At the bottom left of the check, you’ll see a series of nine numbers. These nine numbers are your routing number. Following your routing number will be additional digits. These may seem familiar to you. The numbers that follow your routing number are your individual account number with Deseret First Credit Union bank.
Log In to Your Online Banking Account
If you’ve signed up for online banking, once you log on, you can easily find your routing number under account details. It’s not only checking accounts that have a routing number either; you’ll find one for your savings account as well.
Sign In to Your Mobile App
You’re on the go and cannot look at your checks or access your computer, but of course, you have your phone. Sign into your Deseret First Credit Union app, and under account information you can easily find your routing number.
Look It Up on the Federal Reserve Website
You can also look up your routing number on the Federal Reserve’s official website, fbservices.org.
Call Customer Service
If you need your routing number and cannot access it through your checks, phone or computer, you can always call Deseret First Credit Union’s customer service. They may ask you to verify your identity, but once that is done, you can ask them for your routing number.
When Do You Need Your Deseret First Credit Union Routing Number?
You may be wondering, “How often do I need my routing number?” This is a valid question and here are some common instances when knowing your routing number may come in handy.
Direct Deposits
If you’d like to be paid electronically, chances are you will have to give your employer your routing number and account number. These numbers will ensure that your funds are deposited into the correct account.
Wire Transfers
If you’re receiving or sending large amounts of money to an individual or entity, you may decide to do a wire transfer. A wire transfer is a speedy way to transfer cash. Whether it is a domestic or international wire transfer, you will need to provide your routing number.
Bill Pay or Automatic Transfers
To set up bill pay or automatic transfers, companies and service providers will request you to provide a routing number. This ensures that you aren’t delinquent with any payments owed.
Ordering Checks
When ordering checks, you will be required to provide your Deseret Routing number as well as your account number. Make certain you check and double-check these numbers before you place your order.
Tax Purposes
If you are either receiving a refund or paying taxes to the Internal Revenue Service, your tax form will require your routing and account numbers.
What Is the Difference Between a Wire and an ACH Transfer?
You can use the same Deseret First Credit Union routing number for your wire transfers and ACH transfers. You may be wondering what the difference is between the two types of transfers. A wire transfer is a speedy way to transfer funds bank to bank within a day or in some cases instantly. The institution will typically charge a fee for this service.
An ACH transfer is similar to a check, but the funds are transferred electronically. These types of transfers take some time, but often don’t cost anything. It is an ideal way for bill pay or direct deposits.
Can You Use Your Deseret First Credit Union Routing Number for International Transfers?
You can use the same routing number to do an international transfer, but you may need additional codes to complete the transaction. Sometimes a SWIFT code is required. This code is used to identify a bank globally. You can always contact the Deseret First Credit Union to get this code for global transactions.
Final Take
You will need your Deseret First Credit Union routing number for everyday transactions, like ordering checks, setting up direct deposits and bill pay, and sending and accepting transfers. The routing number is accessible on your checks, online and through the customer service department. You can use the same Deseret First Credit Union routing number for wire and ACH transfers. You may also use this routing number for international transfers as well, but you may be required to provide additional codes, like a SWIFT code. You need to contact Deseret First Credit Union for this.
Remember to make certain to check the number before making your transaction. Be careful not to interchange your routing number with your account number. Also, double-check both numbers and to ensure you aren’t inputting incorrect digits. Finally, if you need additional codes for international transactions, contact Deseret First Credit Union for help before your transaction.
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.
