UFCU is an acronym for Universal Federal Credit Union and is the biggest credit union in Texas. This credit union is headquartered in Austin, Texas, and provides its members with online banking services, mobile banking services, credit card services, insurance premiums, and loans. For you to be able to make use of UFCU’s banking services, you would need to know your routing number, this article would provide you with that information and any other thing you need to know about Routing numbers. Let us know about “UFCU Routing Number”
What Is The UFCU Routing Number?
There are two types of routing numbers UFCU uses when conducting transfers within the USA, and for international transfers. For money transfers within the USA, UFCU uses an ACH as a routing number, while for international money transfers, It makes use of a swift code or an IBAN code as a routing number.
ACH Routing Number:
ACH is an acronym for Automatic Clearing House and is unique to each US bank. The ACH for domestic transfers is a 9-digit code that helps to identify the bank involved in a financial transaction and the location of the bank where the account involved was opened. For the UFCU, the general ACH routing number is 314977405. This number can also be used if you are receiving money into your UFCU account from a foreign bank.
A Swift code is an 8 or 11 digits code that helps to identify banks globally. Swift is an acronym for Society for Worldwide Interbank Financial Telecommunication, and it is a system that allows banks all over the globe to communicate with each other and for seamless financial transactions all over the world. A swift code identifies:
✅The name of the bank involved in the transaction.
✅ The code of the country where the bank is headquartered.
✅ The main headquarters of the bank involved.
✅ The specific branch of the bank where the money is heading to.
UFCU’s swift code is UFCUU33
IBAN Code: The IBAN is a code that is mainly used by EU banks to identify bank accounts, the bank involved in a financial transaction, and the country where the bank is located.
How To Find Your UFCU Routing Number?
✅You can find your UFCU routing number through the following means:
-Through UFCU online banking website: You can find your number by visiting the UFCU website at www.ufcu.com and logging into your UFCU online banking account.
✅ You can find your UFCU routing number on your paper checks. At the bottom of each of your paper checks, there are two numbers. The first one is your UFCU routing number, while the second is your UFCU account number.
✅You can find your UFCU routing number by visiting the Federal Reserve’s website at www.frbservices.org.
What You Can Use Your UFCU Routing Number For?
Your UFCU routing number can be used for purposes like:
-For Depositing money: If you are trying to deposit money into your UFCU account, you would need your account and routing numbers.
-Tax payments or stimulus checks: If you are to receive tax refunds or stimulus checks from the government, you would have to provide the IRS with your account and routing numbers.
-Mobile transfers: If you are trying to perform financial transactions on your phone, you would need to provide routing and account numbers for the mobile transaction to be successful.
-Bills Payment: If you are trying to avoid paying credit card charges while paying for utility bills like electricity, and water bills, you can pay directly from your UFCU account. For you to be able to do that, you would have to provide your routing number.
Your number is important for you to be able to successfully carry out financial transactions with your UFCU account. Your number helps banks to identify accounts so that funds can be transferred from or deposited in your UFCU account. For more information on your UFCU account or number, visit the UFCU website at www.ufcu.com.
1. What would happen if I use the wrong routing number during a transaction
If you use as wrong routing number while trying to perform a financial account with your UFCU account, it would not go through and you would also not lose your money.
2. Can my UFCU routing number change?
Yes, your number can change, and this can happen when UFCU is being taken over by another financial institution.
3. How can my UFCU account be identified with a routing number?
The first two digits of your nine-digit routing number identify the bank involved in clearing the transaction. The next two digits of the routing number help to identify the location of the bank involved in clearing the transaction. The next four digits identify your bank while the last digit helps to verify that the routing number is authentic.