DCU routing number

DCU operates as a digitally focused federal credit union serving members nationwide through online and mobile banking. Unlike regional banks that acquired other institutions and inherited multiple routing numbers, DCU built its network with a unified digital infrastructure from the start. This single routing number (211391825) works for all members regardless of where they live or which branch they joined through.

Yes, DCU uses the same routing number (211391825) for both ACH transfers and domestic wire transfers. This simplifies the process for members setting up direct deposits, bill payments, or sending wire transfers. Just remember that wire transfers typically process faster but cost $15 for domestic transfers.

Since DCU doesn't participate in the SWIFT network, international transfers require an intermediary bank. The sending institution will automatically route your transfer through a correspondent bank in the United States, which then forwards the funds to DCU. You only need to provide your DCU account number and routing number (211391825) along with DCU's full address: 853 Donald Lynch Boulevard, Marlborough, MA 01752. Be aware that intermediary banks may charge additional fees beyond DCU's control.

Standard ACH transfers to or from your DCU account typically take 1-3 business days to complete. Direct deposits through recurring payroll may arrive up to two days before your official payday. External transfers you initiate through DCU's online banking usually process within one business day if submitted before the daily cutoff time.

If you provided an incorrect routing number for a payment or transfer, contact DCU immediately at 1-800-328-8797. The outcome depends on whether the transaction has already processed. For pending transactions, DCU may be able to stop or redirect the payment. For completed transactions sent to the wrong institution, you'll need to work with both banks to recover the funds, which can take several weeks.