ESL Federal Credit Union Routing Number

Frequently Asked Questions About ESL Federal Credit Union Routing Numbers

Why does ESL have only one routing number?

ESL Federal Credit Union uses a single routing number because it operates as a regional credit union focused primarily on the Rochester, New York area. Unlike large national banks that expanded across the country through acquisitions and mergers of dozens of different banks (each with their own routing numbers), ESL has grown organically within its community since 1920. The credit union was founded by George Eastman, the founder of Eastman Kodak, to serve Kodak employees and has since expanded to serve the broader Rochester community. This focused regional approach means ESL doesn't need multiple routing numbers for different states or branches. The single routing number (222371863) efficiently serves all 437,000+ members across all 24 branch locations, making banking simpler for members who never have to wonder which routing number to use.

Can I use the same routing number for all my transactions at ESL?

Yes, ESL Federal Credit Union uses 222371863 for all transaction types. Whether you're setting up direct deposit with your employer, making ACH payments to vendors, sending a domestic wire transfer, or receiving an international wire transfer, you'll use the same routing number. This is different from some larger banks that maintain separate routing numbers for ACH transactions versus wire transfers, or different routing numbers for different regions. ESL's universal routing number approach simplifies banking and eliminates confusion about which number to use for which transaction type. The only time you'll need additional information beyond the routing number is for international wire transfers, which also require ESL's SWIFT code (EFCUUS33).

What is ESL's SWIFT code and when do I need it?

ESL Federal Credit Union's SWIFT code is EFCUUS33 (also written as EFCUUS33XXX). You need this SWIFT code only for international wire transfers - either receiving money from abroad or sending money to a foreign country. SWIFT (Society for Worldwide Interbank Financial Telecommunication) codes are used to identify banks in the global banking network for cross-border transfers. When receiving an international wire transfer, provide the sender with both your routing number (222371863), your account number, and ESL's SWIFT code (EFCUUS33). For domestic transactions within the United States, including ACH transfers, direct deposits, and domestic wire transfers, you only need the routing number - no SWIFT code required.

How much does ESL charge for wire transfers?

ESL Federal Credit Union charges $25 for outgoing domestic wire transfers and $45 for outgoing international wire transfers. Incoming wire transfers cost $15 whether they're domestic or international. These fees apply to personal banking accounts. For businesses making frequent wire transfers, these costs add up quickly - a company sending just 10 wire transfers per month would spend $250 monthly or $3,000 annually in outgoing wire fees alone. Many businesses find that switching to free ACH transfers for non-urgent payments eliminates these recurring fees while maintaining reliable payment processing. Wire transfer fees at ESL are competitive with other credit unions and community banks, and significantly lower than many large national banks that charge $30-$50 for domestic wires.

Does ESL offer any fee waivers for wire transfers?

According to ESL's current fee schedule, wire transfer fees apply to all personal banking members regardless of account type. Unlike some larger banks that offer wire transfer fee waivers for premium account holders, ESL does not currently advertise specific account types that receive complimentary wire transfers. However, ESL does offer free standard ACH transfers (up to 3 business days) through ESL Online Banking, and free Zelle transfers for sending money to friends and family who also use Zelle. For urgent same-day transfers, ESL offers instant transfers for a $2 fee. If you make frequent wire transfers and the fees are a concern, contact ESL directly at 1-800-848-2265 to discuss your specific banking needs and whether any options are available for your situation.