PSECU routing number

PSECU Routing Number Overview

PSECU's ACH routing number is 231381116, used for direct deposits, ACH transfers, and domestic wires. SWIFT/BIC: PSEMUS31.

• PSECU's Universal Routing Number: 231381116

Unlike many large banks that use different routing numbers for different states or regions, PSECU uses one routing number for all services:

• ACH transfers and electronic payments: 231381116
• Direct deposit setup: 231381116
• Domestic wire transfers: 231381116
• International wire transfers: 231381116 (requires SWIFT code PSEMUS31)
• Bill payments and automatic withdrawals: 231381116

PSECU Wire Transfer Information

PSECU offers both domestic and international wire transfer services for members who need to send or receive large payments quickly.

Domestic Wire Transfers

PSECU processes same-day and next-day domestic wire transfers Monday through Friday. To send a domestic wire, you'll need:

• Recipient's full name and physical address (no PO boxes)
• Recipient's bank name and routing number
• Recipient's account number
• Wire transfer fee: $20 per transfer

Important timing note: Funds must be on deposit in your PSECU account for 4 full business days before they can be wired. However, funds deposited by direct deposit or incoming wire transfer are not subject to this 4-day restriction.

International Wire Transfers

For international transfers, PSECU recommends using a third-party money transfer service like Western Union Online FX or MoneyGram. To fund international transfers:

• Have the service provider electronically debit your PSECU account, or
• Have PSECU wire funds to the domestic service provider (must be to U.S. institutions only)

Receiving International Wires at PSECU

To receive an international wire transfer into your PSECU account, provide the sender with:

• PSECU's SWIFT Code: PSEMUS31
• Clearing Code: FW231381116
• Beneficiary Bank Name: PA State Emp CU, Harrisburg PA
• Beneficiary Account Number: Your 10-digit PSECU checking account number or member account number
• Beneficiary Name and Address: Your name and address as it appears on your PSECU account

Note: All incoming wires must be in U.S. dollars. PSECU does not charge a fee for incoming wire transfers, but the sending bank may charge their own fees.

Setting Up Direct Deposit with PSECU

Setting up direct deposit with PSECU is simple and gives you access to your funds faster. To set up direct deposit with your employer or benefits provider, you'll need:

For Checking Account Direct Deposits:

• PSECU's ABA/Routing Transit Number: 231381116
• Your PSECU Checking Account Number: This is the 10-digit number that appears on the bottom of your PSECU checks (include all leading zeroes)

For Savings Account Direct Deposits:

• PSECU's ABA/Routing Transit Number: 231381116
• Your PSECU Member Number: This is your 10-digit member account number (include all leading zeroes)

You can provide this information directly to your payroll department, or you can log into PSECU digital banking, go to the "Move Money" section, select "Direct Deposit," and email yourself a pre-filled direct deposit form to forward to your employer.

ACH Transfers and External Account Linking

PSECU makes it easy to move money between your PSECU accounts and accounts you own at other financial institutions through ACH transfers.

Setting Up External Transfers:

• Log into PSECU digital banking
• Select "Transfers," then "External Accounts"
• Choose "Add External Account"
• Use Instant Verification with Plaid to link accounts in minutes, or complete manual verification using small test deposits

Using Your External Account:

Once linked, you can:

• Transfer money from external accounts into your PSECU accounts
• Transfer money from PSECU to your external accounts
• Set up automatic loan payments from external accounts (except mortgages and Visa cards)
• Schedule one-time or recurring transfers
• Standard ACH transfers typically take 1-3 business days to complete at no cost.

Additional PSECU Transfer Options

Member-to-Member Transfers: If you're sending money to someone who also has a PSECU account, you can transfer funds instantly through digital banking at no cost.

Pay Anyone (Zelle): Send money to non-PSECU members within the United States using Zelle, integrated into PSECU digital banking.

Bill Payer Service: Set up automatic or on-demand payments for bills like rent, utilities, and credit card payments through PSECU's free bill payer service.