Here’s Your First Community Credit Union Routing Number

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If you search online for “First Community Credit routing number,” you’ll find results for credit unions in places like Houston, Texas and Missouri. But if you’re trying to find the routing number for the FCCU based in Beloit, Wisconsin, you’re in the right place.

Here’s everything you need to know about First Community Credit Union’s routing number. 

First Community Credit Union Routing Number

If you bank at First Community Credit Union, knowing its routing number is important. The FCCU routing number is 275977052. Please note that this routing number is only for the FCCU located in Wisconsin.

A financial institution’s routing number is a nine-digit number that helps ensure your funds get to the right place whether you’re transferring money, setting up a direct deposit or paying your bills. Without this unique number, funds can be delayed or lost.

Where To Find First Community Credit Union’s Routing Number

Finding the FCCU routing number or the routing number of any other financial institution where you hold an account requires the same process. 

Look at Your Checks

If you have checks for your account at FCCU, finding the routing number is simple. Look at the first set of numbers on the bottom left of your check to locate the nine-digit routing number. The second set of numbers is usually your account number, and the third set is usually the check number. Sometimes, the check number will appear second and the check number third, but the bank routing number will always be the first set of numbers starting from the left.

Other Options

If you don’t have checks, you can look at your FCCU monthly statements or log in to your online account to find the routing number.

If all else fails, bank routing numbers are publicly available information. Go to FCCU’s website, and you’ll find the routing number at the top right of the page. Or you can call the credit union at 1-800-547-4077 and ask the representative for the FCCU routing number.

Common Transactions That Require a Routing Number

Bank routing numbers, including First Community Credit Union’s routing number, are used for various transactions, including the following:

• Direct deposits: If you choose to have your paycheck or other source of payment directly deposited into your checking or savings account, you’ll be required to give the payor, such as your employer, your bank’s routing number. 
• ACH transfers: Automatic payments and transfers between banks require routing numbers to ensure the money reaches the right account.
• Wire transfers: For wire transfers, you’ll need the routing number, and for international transfers, you’ll also need a SWIFT code.
• Checks: Your bank’s routing number is printed on every check that ties to your account. This ensures that when you pay by check, the money is deducted from your account.

Another time you may need to provide your credit union’s or bank’s routing number is if you want to connect your account to a budgeting app. 

Do You Need a Routing Number for International Transactions?

If you’re sending money from a U.S. bank to an international destination, you may need your bank’s routing number along with its SWIFT code, which is an identifier for financial institutions across the globe, to ensure the money reaches the bank you intend.

You may have heard of International Bank Account Numbers or IBANs. For international transfers, neither First Community Credit Union or any U.S. financial institutions use IBANs. Instead, they use SWIFT codes.

Financial Institutions May Have More Than One Routing Number

Banks sometimes use different routing numbers for different types of transactions. While some banks only have one routing number, others may have up to 10 routing numbers, depending on their business needs, according to the American Bankers Association. Routing numbers may vary depending on the type of transaction, region or type of account, so it’s important that you have the correct one.

What To Do If You Use the Wrong Routing Number

If you enter the wrong routing number, such as you omitted a digit, your payment will be rejected. If you enter the wrong routing number and the money goes to the wrong institution, you will have to work with that institution to recover your funds.

Information is accurate as of Oct. 14, 2024.

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.

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