TDECU routing number

TDECU stands for Texas Dow Employees Credit Union, founded in 1955 by Dow Chemical Company employees in Lake Jackson, Texas. The credit union started when a group of co-workers pooled their money to help a colleague buy a refrigerator. Today, TDECU is Houston's largest credit union with over 390,000 members and nearly $5 billion in assets. As a member-owned credit union rather than a traditional multi-regional bank, TDECU uses one routing number (313185515) for all its Texas locations to simplify banking for members.

TDECU does not have its own SWIFT code for direct international wire transfers. However, you can still receive international wires through a correspondent bank. The sender's international bank will wire funds to a U.S. correspondent bank, which then forwards the money to TDECU using the routing number 313185515. For outgoing international wires, TDECU charges $30 and processes them through correspondent banking relationships. Contact TDECU Member Care at 1-800-839-1154 for specific international wire instructions.

TDECU charges $15 for outgoing domestic wire transfers and $30 for outgoing international wire transfers. There are no fees for incoming domestic wire transfers. The daily cut-off time for domestic wire transfers is 2:00 PM CST, and for international wire transfers it's 1:00 PM CST. Requests received after these times will be processed the next business day.

No, TDECU uses the same routing number (313185515) for both ACH transfers and wire transfers. This makes it easy to remember and reduces the chance of errors when setting up payments. Whether you're setting up direct deposit, initiating a bill payment, or sending a wire transfer, you'll always use 313185515.

Setting up direct deposit with TDECU is straightforward. You can download the direct deposit form from TDECU.org or provide your employer with the TDECU routing number (313185515) and your account number. TDECU offers early access to direct deposits, often making your funds available up to two days before traditional banks. Some employers allow you to split your direct deposit between multiple accounts, which you can set up through your payroll department.