GECU Routing Number

Complete guide to General Electric Credit Union's routing number for ACH transfers, wire transfers, and direct deposit setup across Greater Cincinnati and surrounding areas.

Wire Transfer (Domestic)

242076821

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Wire Transfer (International)

242076821

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ACH Transfer

242076821

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Swift Code

Uses intermediary banks for international wire transfers

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ACH routing numbers vary by state. See state-specific numbers below.

This is an informational resource from Nickel Payments

We are not affiliated with GECU. Nickel supports secure transfers from GECU and thousands of other banks. For official GECU support, contact them directly.

GECU Routing Number

General Electric Credit Union makes banking simple with a single routing number for all members across its three-state service area. Whether you're in Ohio, Kentucky, or Indiana, you'll use the same routing number for all transactions.

The routing number for all GECU accounts is: 242076821

This routing number works for:

- ACH transfers and electronic payments

- Direct deposits (payroll, Social Security, government benefits)

- Automatic bill payments and recurring transfers

- Wire transfers (both domestic and international)

- Check processing

- Person-to-person payment apps (Zelle, Venmo, PayPal)

GECU Service Area

General Electric Credit Union serves the Greater Cincinnati region across three states with 12 branch locations and nearly 100,000 fee-free ATMs nationwide.

Ohio Counties Served:Adams, Brown, Butler, Champaign, Clark, Clermont, Clinton, Darke, Delaware, Fayette, Franklin, Greene, Hamilton, Highland, Madison, Miami, Montgomery, Pickaway, Preble, Shelby, and Warren

Major cities include Cincinnati, Dayton, Springfield, Columbus suburbs, and surrounding communities.

Kentucky Counties Served:Boone, Bourbon, Campbell, Fayette, Grant, Harrison, Kenton, Pendleton, and Scott

Covers Northern Kentucky including Covington, Florence, Newport, and the Lexington area.

Indiana Counties Served:Dearborn, Franklin, Ohio, Switzerland, and Union

Includes communities in southeastern Indiana near the Ohio River.

Membership Eligibility

GECU membership is open to individuals who live, work, worship, or attend school in any of the counties listed above. Family members of current GECU members are also eligible to join. Originally chartered in 1954 for General Electric Aircraft Engines employees, GECU has expanded to serve nearly 280,000 members across the Greater Cincinnati region.

Finding Your GECU Routing Number

Your GECU routing number can be found in multiple locations:

On Your Checks: Look at the bottom left corner of any GECU check. The 9-digit routing number (242076821) appears before your account number.

Online Banking: Log into GECU's online banking platform at gecreditunion.org and view your routing number in your account details.

Mobile App: Open the GECU mobile app, tap on your account, and select "Details" to view the routing number.

Bank Statements: Your routing number appears on all monthly statements, typically in the account information section.

Customer Service: Call GECU at 1-800-542-7093 or visit any branch location to confirm your routing number.

Wire Transfers at GECU

GECU processes wire transfers using routing number 242076821 for domestic transfers. The cutoff time for same-day wire transfers is noon (12:00 PM) Monday through Friday. Wire transfers submitted after the cutoff time will be processed the next business day.

For international wire transfers, GECU uses intermediary banks with SWIFT codes since the credit union does not have its own direct SWIFT code. Contact GECU directly at 1-800-542-7093 or visit a branch to obtain the specific intermediary bank details needed for your international transfer.

Why GECU Uses One Routing Number

As a community-focused credit union, GECU simplified its operations with a single routing number for all members. Unlike banks that acquired multiple institutions and maintained separate routing numbers, GECU's unified structure makes transactions easier. Whether you opened your account in Cincinnati, Dayton, Northern Kentucky, or southeastern Indiana, you'll always use 242076821.

Important Information

Everything you need to know before making a transfer

Avoid Common Mistakes

These errors cause most routing number problems

Using a routing number from the wrong state
Mixing up ACH and wire routing number
Entering your account number instead of routing number
Using an old routing number after a bank merger
Not updating routing number after moving states and opening a new account

Processing Times

Wire transfers: Same business day
ACH transfers: 1-3 business days
International wires: 3-5 business days

Security Tips

Routing numbers are public and safe to share
Never share your full account number publicly
Verify recipient details before sending money

Transaction Limits

Wire transfer limits vary by account type
ACH transfers may have daily limits
Contact bank for specific limit information

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How to Find Your GECU Bank Routing Number

Multiple ways to locate your GECU Bank routing number quickly

On Your Check

The routing number is the first 9 digits on the bottom left of your check, before your account number.

Online Banking

Log into your GECU online banking and navigate to Account Details to view your routing number

Mobile App

Open the GECU mobile app, select your account, and tap on Account Details to find your routing number.

Bank Statement

Your routing number is printed on your monthly bank statement, usually near your account information.

Contact Bank

Call GECU customer service at 1-800-542-7093 for assistance finding your routing number.

Frequently Asked Questions About GECU Routing Numbers

What is GECU's routing number and where can I find it?

GECU's routing number is 242076821. You can find it on the bottom left corner of your checks, in your online banking account details, on your monthly statements, or by calling GECU customer service at 1-800-542-7093. This single routing number is used for all GECU transactions including direct deposits, ACH transfers, wire transfers, and electronic bill payments.

Does GECU have different routing numbers for wire transfers versus ACH transfers?

No, GECU uses the same routing number (242076821) for all transaction types. Whether you're setting up direct deposit, sending a wire transfer, making an ACH payment, or paying bills electronically, you'll always use 242076821. This unified approach simplifies banking for members and reduces the chance of using an incorrect routing number.

How do I send an international wire transfer from my GECU account?

For international wire transfers, GECU uses intermediary banks that have SWIFT codes, as GECU itself does not have a direct SWIFT code. To send an international wire, contact GECU at 1-800-542-7093 or visit any branch location. They will provide you with the specific intermediary bank information, SWIFT code, and instructions needed to complete your international transfer. International wire transfers cost $50 and must be requested before noon for same-day processing.

What are GECU's wire transfer fees and processing times?

GECU charges $25 for outgoing domestic wire transfers and $50 for outgoing international wire transfers. There is no fee for incoming wire transfers. All wire transfers must be requested before the noon cutoff time Monday through Friday for same-day processing. Transfers submitted after noon will process the next business day. You can request a wire transfer by calling 1-800-542-7093 or visiting any GECU branch.

Can I use my GECU routing number if I move to a different state?

Yes, your GECU routing number remains 242076821 even if you move, as long as you continue to live, work, or worship in one of the eligible counties across Ohio, Kentucky, or Indiana. Since GECU uses a single routing number for all members regardless of location, you won't need to update your routing number with employers or billing companies when you relocate within the service area. If you move outside the three-state region, contact GECU about membership eligibility.

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