Suncoast Credit Union routing number
Complete guide to Suncoast Credit Union routing numbers for ACH transfers, wire transfers, and direct deposit setup across 39 Florida counties.
Last verified June 2026
Suncoast Credit Union 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 Suncoast Credit Union
Suncoast Credit Union Routing Number
Suncoast Credit Union's ACH routing number is 263182817, used for direct deposits, ACH transfers, and domestic wires.
The routing number 263182817 works for all Suncoast Credit Union members, regardless of which branch you use or where you opened your account.
Service Area:
Suncoast Credit Union serves members across 39 Florida counties with approximately 80 branch locations:
Central Florida: Hillsborough (Tampa headquarters), Pasco, Pinellas, Polk, Hernando, Sumter
Southwest Florida: Manatee, Sarasota, Charlotte, Lee, Collier, DeSoto, Hardee, Glades, Hendry
West Coast: Citrus, Levy
Central/East Florida: Alachua, Marion, Lake, Orange, Seminole, Osceola, Volusia, Brevard
Southeast Florida: Indian River, St. Lucie, Martin, Palm Beach, Broward, Miami-Dade, Monroe
North Florida: Clay, Duval, St. Johns, Dixie, Gilchrist, Leon, Highlands
Important Note: Whether you bank at a Suncoast branch in Tampa, Sarasota, Naples, Orlando, or anywhere else in Florida, you'll always use routing number 263182817 for ACH transfers, direct deposits, and domestic wire transfers.
This unified routing number system reflects Suncoast's position as Florida's largest credit union with over 1.2 million members. Founded in 1934 as Hillsborough County Teachers Credit Union, Suncoast has maintained a streamlined infrastructure while expanding throughout the state.
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.
1-800-999-5887, or ask at any Suncoast Credit Union branch.
FAQs
Common questions about ACH and wires through Suncoast Credit Union
Why does Suncoast Credit Union use only one routing number?
Suncoast Credit Union uses a single routing number (263182817) for all branches and members throughout Florida. This unified system simplifies banking operations and makes it easier for members to manage their accounts. Unlike large national banks that acquired multiple regional banks with different routing numbers, Suncoast grew organically throughout Florida while maintaining a centralized banking infrastructure. Whether you're in Tampa, Naples, Orlando, or Jacksonville, you'll always use the same routing number.
Can I use Suncoast Credit Union's routing number for international wire transfers?
Suncoast Credit Union does not have a SWIFT code and is not directly connected to the SWIFT network for international transfers. For incoming international wires, the sender's bank must use a correspondent bank in the United States that can forward funds to Suncoast domestically using routing number 263182817. For outgoing international wires, contact Suncoast at 1-800-999-5887 to initiate the transfer, which will be processed through a correspondent bank. International wires cost $35 and must be requested between 8:30 AM and 5:00 PM on federal business days.
What's the difference between ACH and wire routing numbers at Suncoast Credit Union?
Suncoast Credit Union uses the same routing number (263182817) for both ACH transfers and domestic wire transfers. This makes the process straightforward compared to financial institutions that use different numbers for different transaction types. Whether you're setting up direct deposit with your employer, making an automatic bill payment, or sending a domestic wire transfer, you'll always use 263182817.
How do I set up direct deposit with Suncoast Credit Union?
Setting up direct deposit is simple. Provide your employer with the following information: Suncoast Credit Union's name, routing number 263182817, and your 14-digit account number (found on your checks or in online banking). Your employer will use this information to deposit your paycheck directly into your Suncoast account. Processing typically takes 1-2 pay cycles to begin. For assistance, call Suncoast Member Care Center at 1-800-999-5887.
What are the wire transfer fees at Suncoast Credit Union?
Suncoast Credit Union charges fees for wire transfers, though the credit union does not publish exact domestic wire fees on their website. International outgoing wires cost $35 and must be initiated between 8:30 AM and 5:00 PM on federal business days. Domestic wires sent before 5:00 PM typically post the same business day, while those sent after 5:00 PM may post the next business day. For current fee information, contact Suncoast at 1-800-999-5887 or visit a local branch.
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