University Federal Credit Union is the largest credit union in Austin, Texas, and it provides members with a number of products and member services including UFCU online banking, UFCU mobile banking, credit cards, loans and insurance. Since being chartered in 1936, it has grown immensely and now holds over $3 billion in assets as of Dec. 31, 2019.
Routing numbers, which can also be referred to as ABA or routing transit numbers, are used to identify banks when they need to connect or ‘talk’ with other banks. If you’re completing a task such as sending a wire transfer, signing up for automatic bill pay or arranging direct deposit, you’ll need your bank’s routing number. Because University Federal Credit Union is located in only one state, there is only one routing number.
What Is My UFCU Routing Number?
For quick reference, here’s the UFCU routing number:
|UFCU Routing Number|
You can also find your bank’s routing number at the bottom of a personal or business check.
What Is a Routing Number?
Routing numbers — also known as ABA and transit numbers — are nine-digit identifying numbers that allow banks to communicate with each other. They essentially tell banks where they need to route funds to.
Each of these nine digits mean something different. The first two numbers identify the bank that’s responsible for clearing the transaction. The next two identify said bank’s main processing center and where the bank is located. The following four numbers identify your bank and, finally, the last number is the check digit, which verifies that the routing number is true.
The first two digits will either be 80 or range from 00 through 12, 21 through 32 or 61 through 72. The digits provide more information about the institution: 00 is used by the U.S. government; 01 through 12 are the normal routing numbers; 21 through 32 are assigned to thrift institutions, such as credit unions and savings banks; 61 through 72 are used for electronic transactions; 80 is for traveler’s checks.
Some financial institutions have different routing numbers depending on the state in which you opened the account, but UFCU has one routing number for all account holders.
How Do I Find My Bank’s Routing Number Without a Check?
It’s easy to find your bank’s routing number, even without your trusty checkbook. You can find your bank information on your account online, so if you have your cellphone with you just whip it out and find your personal information there. If you have your phone out, you can also just Google your bank’s name and its routing number. Just make sure that the info you find is from a trusted source. Lastly, your monthly statement will have your bank’s routing number on it, so keep an eye out for that.
Related: How To Wire Money Internationally
What Number To Use for Wire Transfers
Some institutions have a different number for receiving wire transfers, but UFCU uses the same routing number: 314977405.
This number can be used to receive domestic wire transfers, but UFCU members cannot accept direct international wire transfers. Funds must be transferred from an international financial institution to its corresponding bank in the United States, and funds can then be transferred from that bank to UFCU using UFCU’s routing number.
Learn more about the difference between banks and credit unions.
More Routing Numbers
- Alaska USA Routing Number
- Alliant Credit Union Routing Number
- Ally Bank Routing Number
- America First Routing Number
- Axos Bank Routing Number
- Bank of America Routing Number
- Bank Of The West Routing Number
- BB&T Routing Number
- BECU Routing Number
- BMO Harris Routing Number
- Capital One Routing Number
- Charles Schwab Routing Number
- Chase Bank Routing Number
- Citibank Routing Number
- Citizens Bank Routing Number
- Commerce Bank Routing Number
- DCU Routing Number
- Fidelity Routing Number
- Fifth Third Routing Number
- FirstBank Routing Number
- First Citizens Bank Routing Number
- GECU Routing Number
- Golden 1 Credit Union Routing Number
- HSBC Routing Number
- Huntington Bank Routing Number
- Keybank Routing Number
- MACU Routing Number
- MCU Routing Number
- M&T Bank Routing Number
- Navy Federal Routing Number
- PenFed Routing Number
- People’s United Bank Routing Number
- PNC Bank Routing Number
- RBFCU Routing Number
- Regions Bank Routing Number
- Santander Routing Number
- SunTrust Routing Number
- TD Bank Routing Number
- TIAA Bank Routing Number
- UCCU Routing Number
- Umpqua Bank Routing Number
- Union Bank Routing Number
- US Bank Routing Number
- USAA Routing Number
- Vystar Routing Number
- Wells Fargo Routing Number
- Webster Bank Routing Number
- Woodforest Routing Number
- Zions Bank Routing Number
Arielle Moscati contributed to the reporting for this article.
This content is not provided by University Federal Credit Union. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by UFCU.