NCSECU routing number

NCSECU operates exclusively in North Carolina and was founded specifically to serve state employees and their families. Unlike multi-state banks that acquired regional institutions over time, NCSECU has maintained a focused geographic footprint within North Carolina since its founding in 1937. This single-state operation means only one routing number (253177049) is needed to identify the credit union for all electronic transactions, regardless of which county or branch you use. This simplicity makes it easier for members to remember and reduces the chance of using an incorrect routing number.

Yes, if you're an existing NCSECU member and you move out of North Carolina, you can continue using your account and the same routing number (253177049) for all transactions. NCSECU membership is available to North Carolina state employees, public school employees, and their immediate families. Once you're a member, you typically remain eligible even if you relocate, retire, or change employers. However, new membership eligibility is limited to those with qualifying North Carolina employment connections.

The routing number (253177049) is used for all domestic transactions within the United States, including ACH transfers, direct deposits, bill payments, and domestic wire transfers. The SWIFT code (SMCUUS31) is a non-monetary code used only for international wire transfers coming into your NCSECU account from another country. Because NCSECU is a credit union focused on North Carolina, it doesn't have a full SWIFT infrastructure like major international banks. Instead, international wires route through correspondent banks in the U.S. before reaching NCSECU.

Setting up direct deposit is simple. Provide your employer with NCSECU's routing number (253177049) and your full account number, which you can find on your checks, in the SECU Mobile App, or through Member Access online banking. NCSECU offers Early Direct Deposit, which makes funds available up to one day early based on when deposit information is received from your employer. North Carolina state employees can also set up payroll deduction to automatically deposit a portion of their paycheck into their NCSECU account through their employer's payroll office.

NCSECU charges $10 for each outgoing domestic wire transfer and $25 for each outgoing international wire transfer. These fees are debited directly from your account when the wire is processed. However, there is no fee to receive incoming wire transfers, whether domestic or international. Keep in mind that international wires may also incur fees from intermediary correspondent banks (typically $8-$15) that help route the transfer. Outgoing domestic wires must be initiated before 4:30 PM ET, and international wires before 3:00 PM ET to be processed the same business day.