Frequently Asked Questions About MCU Routing Numbers
Why does MCU only have one routing number?
Municipal Credit Union operates exclusively in the New York City metropolitan area and was founded to serve municipal employees and New York City workers. Unlike national banks that expanded through acquisitions across multiple states, MCU has maintained its focused service area since its founding in 1917. This geographic concentration means MCU only needs one routing number to identify all member accounts. The routing number 226078036 is used for all ACH transfers, direct deposits, and domestic wire transfers regardless of which MCU branch you use.
Can I use the MCU routing number for international transfers?
No, you cannot use routing number 226078036 for international wire transfers. MCU is not directly connected to the SWIFT network that facilitates international banking transactions. To receive money from overseas, you'll need to provide the sender with intermediary bank information. Contact MCU's member service team at 1-844-628-6969 to get the specific intermediary bank details, including their SWIFT code, routing number, and your MCU account information. The intermediary bank will then forward the funds to your MCU account domestically.
What's the difference between ACH and wire routing numbers at MCU?
Unlike many larger banks, MCU uses the same routing number (226078036) for both ACH transfers and domestic wire transfers. This simplifies the process for members - you only need to remember one number whether you're setting up direct deposit, making an ACH payment, or receiving a domestic wire transfer. However, be aware that domestic wire transfers and ACH transfers have different processing times and may have different fees, even though they use the same routing number.
How do I verify my MCU routing number?
You can verify your MCU routing number in several ways. The easiest is to look at the bottom left corner of any MCU check, where you'll see the nine-digit routing number 226078036. You can also log into MCU's digital banking platform and view your account details, which will display the routing number. Additionally, the routing number appears on your monthly account statements. If you need immediate confirmation, call MCU's contact center at 1-844-628-6969, available Monday through Friday 7am-7pm and Saturday 9am-2pm EST.
Who is eligible for MCU membership?
MCU membership is open to individuals who live, work, worship, or attend school in New York City, employees of New York State or Federal government agencies based in New York, and immediate family members or household members of existing MCU members. As a credit union, MCU serves a specific membership base rather than the general public. Once you become a member, you remain a member for life, even if you move out of the area or retire. This member-focused structure allows MCU to offer competitive rates and lower fees compared to traditional banks.
