GECU routing number
Complete guide to General Electric Credit Union's routing number for ACH transfers, wire transfers, and direct deposit setup across Greater Cincinnati and surrounding areas.
Last verified June 2026
GECU 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 GECU
GECU Routing Number
GECU's ACH routing number is 242076821, used for direct deposits, ACH transfers, and domestic wires.
GECU Service Area
General Electric Credit Union serves the Greater Cincinnati region across three states with 12 branch locations and nearly 100,000 fee-free ATMs nationwide.
Ohio Counties Served:Adams, Brown, Butler, Champaign, Clark, Clermont, Clinton, Darke, Delaware, Fayette, Franklin, Greene, Hamilton, Highland, Madison, Miami, Montgomery, Pickaway, Preble, Shelby, and Warren
Major cities include Cincinnati, Dayton, Springfield, Columbus suburbs, and surrounding communities.
Kentucky Counties Served:Boone, Bourbon, Campbell, Fayette, Grant, Harrison, Kenton, Pendleton, and Scott
Covers Northern Kentucky including Covington, Florence, Newport, and the Lexington area.
Indiana Counties Served:Dearborn, Franklin, Ohio, Switzerland, and Union
Includes communities in southeastern Indiana near the Ohio River.
Membership Eligibility
GECU membership is open to individuals who live, work, worship, or attend school in any of the counties listed above. Family members of current GECU members are also eligible to join. Originally chartered in 1954 for General Electric Aircraft Engines employees, GECU has expanded to serve nearly 280,000 members across the Greater Cincinnati region.
Wire Transfers at GECU
GECU processes wire transfers using routing number 242076821 for domestic transfers. The cutoff time for same-day wire transfers is noon (12:00 PM) Monday through Friday. Wire transfers submitted after the cutoff time will be processed the next business day.
For international wire transfers, GECU uses intermediary banks with SWIFT codes since the credit union does not have its own direct SWIFT code. Contact GECU directly at 1-800-542-7093 or visit a branch to obtain the specific intermediary bank details needed for your international transfer.
Why GECU Uses One Routing Number
As a community-focused credit union, GECU simplified its operations with a single routing number for all members. Unlike banks that acquired multiple institutions and maintained separate routing numbers, GECU's unified structure makes transactions easier. Whether you opened your account in Cincinnati, Dayton, Northern Kentucky, or southeastern Indiana, you'll always use 242076821.
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.
1-800-542-7093, or ask at any GECU branch.
FAQs
Common questions about ACH and wires through GECU
What is GECU's routing number and where can I find it?
GECU's routing number is 242076821. You can find it on the bottom left corner of your checks, in your online banking account details, on your monthly statements, or by calling GECU customer service at 1-800-542-7093. This single routing number is used for all GECU transactions including direct deposits, ACH transfers, wire transfers, and electronic bill payments.
Does GECU have different routing numbers for wire transfers versus ACH transfers?
No, GECU uses the same routing number (242076821) for all transaction types. Whether you're setting up direct deposit, sending a wire transfer, making an ACH payment, or paying bills electronically, you'll always use 242076821. This unified approach simplifies banking for members and reduces the chance of using an incorrect routing number.
How do I send an international wire transfer from my GECU account?
For international wire transfers, GECU uses intermediary banks that have SWIFT codes, as GECU itself does not have a direct SWIFT code. To send an international wire, contact GECU at 1-800-542-7093 or visit any branch location. They will provide you with the specific intermediary bank information, SWIFT code, and instructions needed to complete your international transfer. International wire transfers cost $50 and must be requested before noon for same-day processing.
What are GECU's wire transfer fees and processing times?
GECU charges $25 for outgoing domestic wire transfers and $50 for outgoing international wire transfers. There is no fee for incoming wire transfers. All wire transfers must be requested before the noon cutoff time Monday through Friday for same-day processing. Transfers submitted after noon will process the next business day. You can request a wire transfer by calling 1-800-542-7093 or visiting any GECU branch.
Can I use my GECU routing number if I move to a different state?
Yes, your GECU routing number remains 242076821 even if you move, as long as you continue to live, work, or worship in one of the eligible counties across Ohio, Kentucky, or Indiana. Since GECU uses a single routing number for all members regardless of location, you won't need to update your routing number with employers or billing companies when you relocate within the service area. If you move outside the three-state region, contact GECU about membership eligibility.
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