PenFed routing number

PenFed (Pentagon Federal Credit Union) was founded in 1935 as the War Department Federal Credit Union to serve civilian employees of the U.S. War Department during the Great Depression. Throughout its history, PenFed has operated as a single federally chartered credit union rather than a collection of state-chartered institutions. When PenFed expanded nationwide and opened its membership to the general public in 2018, it maintained its single routing number (256078446). This unified structure makes banking simpler for members, particularly military families who frequently relocate between states and need consistent banking information.

Yes. PenFed Credit Union uses routing number 256078446 for all members nationwide, regardless of where you opened your account or where you currently reside. Whether you're a member in McLean, Virginia, San Antonio, Texas, or Okinawa, Japan, the routing number remains 256078446 for all transactions. This consistency is especially valuable for military members who relocate frequently and don't want to worry about updating routing numbers with employers or billers.

PenFed uses the same routing number (256078446) for both ACH transfers and wire transfers. However, the transaction types differ significantly in speed and cost. ACH transfers process through the Automated Clearing House network and typically take 1-3 business days, but are free when initiated through PenFed.org. Wire transfers complete the same day but require phone initiation and cost $25 for domestic wires and $30 for international wires. For regular business payments, ACH transfers through PenFed are the more cost-effective option, while wire transfers are better for urgent, time-sensitive transactions.

To set up direct deposit with PenFed, provide your employer or paying agency with PenFed's routing number (256078446) and your full account number. You can find your account number by logging into PenFed Online or the mobile app, selecting your account, and clicking "View Account Information" to display your full account number. PenFed offers early access to direct deposits, making your paycheck available up to 2 days before your scheduled payday when your employer provides payment details early. For Social Security or federal benefit payments, visit www.godirect.gov to set up direct deposit. Contact PenFed at 1-800-247-5626 if you need assistance.

Yes. PenFed can receive international wire transfers without requiring a SWIFT code, which is unusual among U.S. financial institutions. For incoming international wires, the sender needs your complete account number, PenFed's routing number (256078446), and PenFed's physical address (2930 Eisenhower Ave, Alexandria, VA 22314). There is no fee to receive international wires at PenFed. For outgoing international wires, you'll need to call PenFed at 1-800-247-5626 (or 1-703-838-5100 internationally) to initiate the transfer, which costs $30. The recipient will need their bank's SWIFT/BIC code for international transfers.