Suncoast Credit Union Routing Number

Complete guide to Suncoast Credit Union routing numbers for ACH transfers, wire transfers, and direct deposit setup across 39 Florida counties.

Wire Transfer (Domestic)

263182817

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Wire Transfer (International)

263182817

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ACH Transfer

263182817

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Swift Code

No SWIFT code

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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 Suncoast Credit Union. Nickel supports secure transfers from Suncoast Credit Union and thousands of other banks. For official Suncoast Credit Union support, contact them directly.

Suncoast Credit Union Routing Number

Suncoast Credit Union uses a single routing number for all transactions across its entire branch network in Florida. This makes banking simple for members throughout the state.

Routing Number: 263182817

The routing number 263182817 works for all Suncoast Credit Union members, regardless of which branch you use or where you opened your account.

Service Area:

Suncoast Credit Union serves members across 39 Florida counties with approximately 80 branch locations:

Central Florida: Hillsborough (Tampa headquarters), Pasco, Pinellas, Polk, Hernando, Sumter

Southwest Florida: Manatee, Sarasota, Charlotte, Lee, Collier, DeSoto, Hardee, Glades, Hendry

West Coast: Citrus, Levy

Central/East Florida: Alachua, Marion, Lake, Orange, Seminole, Osceola, Volusia, Brevard

Southeast Florida: Indian River, St. Lucie, Martin, Palm Beach, Broward, Miami-Dade, Monroe

North Florida: Clay, Duval, St. Johns, Dixie, Gilchrist, Leon, Highlands

Important Note: Whether you bank at a Suncoast branch in Tampa, Sarasota, Naples, Orlando, or anywhere else in Florida, you'll always use routing number 263182817 for ACH transfers, direct deposits, and domestic wire transfers.

This unified routing number system reflects Suncoast's position as Florida's largest credit union with over 1.2 million members. Founded in 1934 as Hillsborough County Teachers Credit Union, Suncoast has maintained a streamlined infrastructure while expanding throughout the state.

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 Suncoast Credit Union Bank Routing Number

Multiple ways to locate your Suncoast Credit Union 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 Suncoast Credit Union online banking and navigate to Account Details to view your routing number

Mobile App

Open the Suncoast Credit Union 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 Suncoast Credit Union customer service at 1-800-999-5887 for assistance finding your routing number.

Frequently Asked Questions About Suncoast Credit Union Routing Numbers

Why does Suncoast Credit Union use only one routing number?

Suncoast Credit Union uses a single routing number (263182817) for all branches and members throughout Florida. This unified system simplifies banking operations and makes it easier for members to manage their accounts. Unlike large national banks that acquired multiple regional banks with different routing numbers, Suncoast grew organically throughout Florida while maintaining a centralized banking infrastructure. Whether you're in Tampa, Naples, Orlando, or Jacksonville, you'll always use the same routing number.

Can I use Suncoast Credit Union's routing number for international wire transfers?

Suncoast Credit Union does not have a SWIFT code and is not directly connected to the SWIFT network for international transfers. For incoming international wires, the sender's bank must use a correspondent bank in the United States that can forward funds to Suncoast domestically using routing number 263182817. For outgoing international wires, contact Suncoast at 1-800-999-5887 to initiate the transfer, which will be processed through a correspondent bank. International wires cost $35 and must be requested between 8:30 AM and 5:00 PM on federal business days.

What's the difference between ACH and wire routing numbers at Suncoast Credit Union?

Suncoast Credit Union uses the same routing number (263182817) for both ACH transfers and domestic wire transfers. This makes the process straightforward compared to financial institutions that use different numbers for different transaction types. Whether you're setting up direct deposit with your employer, making an automatic bill payment, or sending a domestic wire transfer, you'll always use 263182817.

How do I set up direct deposit with Suncoast Credit Union?

Setting up direct deposit is simple. Provide your employer with the following information: Suncoast Credit Union's name, routing number 263182817, and your 14-digit account number (found on your checks or in online banking). Your employer will use this information to deposit your paycheck directly into your Suncoast account. Processing typically takes 1-2 pay cycles to begin. For assistance, call Suncoast Member Care Center at 1-800-999-5887.

What are the wire transfer fees at Suncoast Credit Union?

Suncoast Credit Union charges fees for wire transfers, though the credit union does not publish exact domestic wire fees on their website. International outgoing wires cost $35 and must be initiated between 8:30 AM and 5:00 PM on federal business days. Domestic wires sent before 5:00 PM typically post the same business day, while those sent after 5:00 PM may post the next business day. For current fee information, contact Suncoast at 1-800-999-5887 or visit a local branch.

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