BECU routing number
Your complete guide to BECU routing numbers for ACH transfers, wire transfers, and direct deposit setup for members across Washington, Oregon, and Idaho.
Last verified June 2026
BECU routing number
Use the ACH number for direct deposits and ACH transfers, the wire number for domestic wires, and the SWIFT code for international wires.
More about BECU
BECU Routing Number
BECU's ACH routing number is 325081403, used for direct deposits, ACH transfers, and domestic wires.
Use this number for:
- ACH transfers
- Direct deposits
- Wire transfers (domestic)
- Bill payments
- External account links
- Mobile check deposits
Service Areas:
BECU serves members throughout the Pacific Northwest with primary locations in:
Washington State (All Counties):
- Puget Sound Region (King, Pierce, Snohomish, Thurston Counties)
- Eastern Washington (Spokane, Yakima Counties)
- Southwest Washington (Clark, Cowlitz Counties)
- All other Washington counties
Oregon (Select Counties):
- Benton, Clackamas, Clatsop, Columbia, Coos, Curry, Deschutes, Douglas, Jackson, Josephine, Klamath, Lane, Lincoln, Linn, Marion, Multnomah, Polk, Tillamook, Washington, and Yamhill
Idaho (Select Counties):
- Benewah, Bonner, Boundary, Clearwater, Idaho, Kootenai, Latah, Lewis, Nez Perce, and Shoshone
Note: As a credit union, BECU uses one routing number for all transaction types and all members, making it simpler than large national banks that often have different routing numbers by state or transaction type.
Get it right the first time
A wrong number can bounce a transfer or send it into limbo. Two minutes here saves a week of waiting.
- Using the wire number for an ACH transfer (or vice-versa)
- Transposing a digit; always copy, don’t retype
- Forgetting the SWIFT code on incoming international wires
- Routing numbers are public — your account number is what to protect
- Only share account details over channels you initiated
- Verify new payees by phone before the first transfer
- Watch for invoice-swap scams that change banking details
How to find your account number
The 9-digit number in the lower-left, before your account number.
Sign in, open the account, and view account & routing details.
Printed near your account number in the statement header.
1-800-233-2328, or ask at any BECU branch.
FAQs
Common questions about ACH and wires through BECU
Why does BECU only have one routing number?
As a credit union founded in 1935 by Boeing employees, BECU operates with a single routing number (325081403) across its entire membership base. Unlike large national banks that acquired regional institutions and maintained separate routing numbers, credit unions typically use one number for all members and all transaction types. This reflects BECU's cooperative structure and centralized operations in the Pacific Northwest.
Can I use the BECU routing number if I opened my account at any branch?
Yes. All BECU members use the same routing number (325081403) regardless of which branch they joined at or where they currently live. This applies whether you opened your account in Seattle, Spokane, Tukwila, or any other BECU location in Washington, Oregon, or Idaho.
What's the difference between ACH and wire routing numbers at BECU?
There is no difference. BECU uses routing number 325081403 for both ACH transfers and wire transfers. You can use this same number for direct deposit, bill payments, external transfers, and domestic wires. This simplicity is one of the benefits of banking with a credit union rather than a large national bank.
How do I receive international wire transfers to my BECU account?
BECU does not have its own SWIFT code. International wires route through Wells Fargo Bank as an intermediary using SWIFT code WFBIUS6S. The sender should provide Wells Fargo's information as the intermediary bank, then include your BECU routing number (325081403) and account details as the final beneficiary. Contact BECU member services at 1-800-233-2328 for complete incoming international wire instructions.
What are BECU's wire transfer fees and cutoff times?
BECU charges $25 for outgoing domestic wires and $35 for international wires. Business members using online banking pay only $20 for domestic wires. Incoming wires are free. For same-day processing, domestic and international wire requests must be submitted by 1:00 PM Pacific Time Monday through Friday. Domestic wires requested between 1:00 PM and 4:00 PM will process the next business day.
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