PFFCU routing number
Your complete guide to PFFCU routing numbers for ACH transfers, wire transfers, and direct deposit setup across Pennsylvania, New Jersey, and Delaware.
Last verified June 2026
PFFCU 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 PFFCU
PFFCU Routing Number
PFFCU's ACH routing number is 236084285, 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
- All transaction types
Service Areas:
PFFCU serves members across the Greater Philadelphia region and tri-state area with branches throughout:
Pennsylvania:
- Philadelphia (multiple locations including Main Office at 901 Arch Street)
- Bucks County (Bensalem)
- Delaware County (Springfield)
- Montgomery County (Philadelphia suburbs)
New Jersey:
- Camden County (Maple Shade, Moorestown Mall)
- Gloucester County (Washington Township, Turnersville)
- Southern New Jersey communities
Delaware:
- All Delaware residents eligible through American Consumer Council membership
Additional Eligibility:
- Active or retired Philadelphia police officers and firefighters
- Employees of US Secret Service (Department of Treasury)
- Over 400 Select Employer Groups
- All residents of Pennsylvania, New Jersey, or Delaware through American Consumer Council membership
Note: As a credit union, PFFCU uses one routing number for all members and all transaction types across its entire service area. This makes banking simpler than at 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.
1-215-931-0300, or ask at any PFFCU branch.
FAQs
Common questions about ACH and wires through PFFCU
Why does PFFCU only have one routing number?
PFFCU was founded in 1938 in Philadelphia to serve police officers and firefighters. As a credit union, PFFCU operates with a single routing number (236084285) for all members across Pennsylvania, New Jersey, and Delaware. Unlike large national banks that acquired regional institutions and maintained separate routing numbers, credit unions typically use one unified number. This reflects PFFCU's cooperative structure and centralized operations based in Philadelphia.
Can I use the same routing number if I opened my account in New Jersey but now live in Pennsylvania?
Yes. All PFFCU members use routing number 236084285 regardless of which state or branch they opened their account in. This applies whether you joined at the Main Office in Philadelphia, a branch in Bensalem, the Moorestown Mall location, or any other PFFCU branch. The routing number follows your membership, not your location.
What's the difference between ACH and wire routing numbers at PFFCU?
There is no difference. PFFCU uses routing number 236084285 for both ACH transfers and domestic wire transfers. You can use this same number for direct deposit, bill payments, external transfers, and wires. This simplicity is one of the benefits of banking with a credit union rather than a large national bank with complex routing structures.
How do I receive international wire transfers to my PFFCU account?
PFFCU does not have a SWIFT code. International wires must route through an intermediary correspondent bank in the United States. The sender's international bank will need to wire funds to a US correspondent bank, which will then forward the funds domestically to PFFCU using routing number 236084285. Contact PFFCU member services at 1-215-931-0300 or 1-800-228-8801 for specific incoming international wire instructions and correspondent bank details the sender will need.
What are PFFCU's wire transfer fees and processing times?
PFFCU charges a fee for outgoing wire transfers (contact member services for current rates). Incoming wires are free. Wire transfers must be processed during Federal Reserve banking hours (Monday through Friday, excluding federal holidays). Most domestic wires are completed within 24 hours when submitted before cutoff times. For specific fees and cutoff times, contact PFFCU at 1-215-931-0300 or visit your local branch.
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