UCCU routing number
Complete guide to Utah Community Credit Union routing numbers for ACH transfers, wire transfers, and direct deposit setup for all UCCU members nationwide.
Last verified June 2026
UCCU 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 UCCU
UCCU Routing Number for All Members
UCCU's ACH routing number is 324377820, used for direct deposits, ACH transfers, and domestic wires. SWIFT/BIC: Not available.
Unlike larger banks that use different routing numbers for each state, UCCU operates with one unified routing number for all members nationwide. Whether you're in Utah, California, New York, or anywhere else in the United States, you'll use 324377820 for all your banking transactions.
Finding Your UCCU Routing Number
The easiest way to locate your routing number is on a UCCU check. Look at the bottom left corner where you'll see a nine-digit number. That's your routing number: 324377820.
You can also find it by:
- Logging into UCCU Online Banking and navigating to Account Details
- Viewing your account information in the UCCU mobile app
- Calling UCCU customer service at 1-800-453-8188
- Visiting any UCCU branch location
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.
1-800-453-8188, or ask at any UCCU branch.
FAQs
Common questions about ACH and wires through UCCU
Why does UCCU only have one routing number?
UCCU is a community credit union that maintains a unified routing number structure for all members. Founded in 1955 at Brigham Young University and headquartered in Provo, Utah, UCCU has grown to serve over 240,000 members nationwide while keeping operations streamlined with a single routing number. This approach eliminates confusion and makes it easier for members to set up payments, transfers, and direct deposits without worrying about different numbers for different states or transaction types.
Can I use the UCCU routing number if I opened my account in a different state?
Yes. UCCU uses routing number 324377820 for all members regardless of where you opened your account or where you currently live. Whether you joined UCCU in Utah, moved to another state, or opened your account online from anywhere in the country, you'll always use the same routing number for all transactions.
What's the difference between ACH and wire routing numbers at UCCU?
At UCCU, there is no difference. The credit union uses the same routing number (324377820) for both ACH transfers and wire transfers. This includes domestic wires, international wires, direct deposits, bill payments, and external transfers. You'll never need to worry about using different numbers for different transaction types.
Does UCCU have a SWIFT code for international transfers?
No, UCCU does not have a SWIFT code. For incoming international wire transfers, the sending bank will need to use a U.S. correspondent bank that has a SWIFT code. The correspondent bank will then complete the transfer domestically to UCCU using routing number 324377820. Contact UCCU at 1-800-453-8188 for specific instructions on receiving international wires, as the process requires additional information beyond just the routing number.
What are UCCU's wire transfer cutoff times?
UCCU has specific cutoff times for processing wire transfers. Domestic wire transfers must be initiated by 2:30 PM Mountain Time, while international wire transfers have an earlier cutoff of 1:00 PM Mountain Time. Requests submitted after these times, on weekends, or on holidays will be processed the next business day. ACH external transfers have a 3:00 PM Mountain Time cutoff. Always submit time-sensitive transfers well before the deadline to ensure same-day processing.
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