TDECU Routing Number

Find TDECU's routing number for ACH transfers, wire transfers, and direct deposit - one simple number for all Texas locations.

Wire Transfer (Domestic)

313185515

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Wire Transfer (International)

Uses correspondent bank

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ACH Transfer

313185515

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

TDECU Routing Number for All Texas Locations

TDECU uses a single routing number for all member centers across Texas. Whether you bank in Houston, Lake Jackson, Dallas, Fort Worth, or any other TDECU location, you'll use the same routing number for all transactions.

The TDECU routing number is: 313185515

This routing number works for:

- All TDECU member centers in Texas

- Direct deposit setup

- ACH transfers

- Bill payments

- Domestic wire transfers

- Check processing

TDECU Service Locations Throughout Texas

As Houston's largest credit union, TDECU serves members across Texas with locations in:

Greater Houston Area:

- Houston (multiple locations)

- Katy

- Sugar Land

- Pasadena

- Pearland

- Missouri City

- Baytown

- Texas City

Brazoria County:

- Lake Jackson (headquarters)

- Angleton

- Brazoria

- Freeport

Crossroads Market:

- Victoria

- Port Lavaca

- Bay City

- Hallettsville

- Edna

- Cuero

- Yoakum

Dallas-Fort Worth:

- Dallas

- Fort Worth

Other Locations:

- Shenandoah

- Rosenberg

Regardless of which TDECU location you use, the routing number 313185515 applies to all accounts.

Why Does TDECU Use One Routing Number?

TDECU operates as a member-focused credit union with a centralized processing system. This approach allows them to use a single routing number for all Texas locations, making it simple for members to set up payments, transfers, and direct deposits without worrying about different numbers for different branches.

Where to Find Your TDECU Routing Number

- You can locate your routing number in several ways:

- Bottom left corner of your TDECU checks

- TDECU website footer on every page

- TDECU mobile banking app under account details

- Online banking dashboard

- Monthly account statements

- Direct deposit forms available on TDECU.org

- Contact Member Care at 1-800-839-1154

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 TDECU Bank Routing Number

Multiple ways to locate your TDECU 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 TDECU online banking and navigate to Account Details to view your routing number

Mobile App

Open the TDECU 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 TDECU customer service at 1-800-839-1154 for assistance finding your routing number.

Frequently Asked Questions About TDECU Routing Numbers

What is TDECU and why does it only have one routing number?

TDECU stands for Texas Dow Employees Credit Union, founded in 1955 by Dow Chemical Company employees in Lake Jackson, Texas. The credit union started when a group of co-workers pooled their money to help a colleague buy a refrigerator. Today, TDECU is Houston's largest credit union with over 390,000 members and nearly $5 billion in assets. As a member-owned credit union rather than a traditional multi-regional bank, TDECU uses one routing number (313185515) for all its Texas locations to simplify banking for members.

Can I use the TDECU routing number for international wire transfers?

TDECU does not have its own SWIFT code for direct international wire transfers. However, you can still receive international wires through a correspondent bank. The sender's international bank will wire funds to a U.S. correspondent bank, which then forwards the money to TDECU using the routing number 313185515. For outgoing international wires, TDECU charges $30 and processes them through correspondent banking relationships. Contact TDECU Member Care at 1-800-839-1154 for specific international wire instructions.

How much does TDECU charge for wire transfers?

TDECU charges $15 for outgoing domestic wire transfers and $30 for outgoing international wire transfers. There are no fees for incoming domestic wire transfers. The daily cut-off time for domestic wire transfers is 2:00 PM CST, and for international wire transfers it's 1:00 PM CST. Requests received after these times will be processed the next business day.

Do I need a different routing number for ACH transfers versus wire transfers at TDECU?

No, TDECU uses the same routing number (313185515) for both ACH transfers and wire transfers. This makes it easy to remember and reduces the chance of errors when setting up payments. Whether you're setting up direct deposit, initiating a bill payment, or sending a wire transfer, you'll always use 313185515.

How do I set up direct deposit with TDECU?

Setting up direct deposit with TDECU is straightforward. You can download the direct deposit form from TDECU.org or provide your employer with the TDECU routing number (313185515) and your account number. TDECU offers early access to direct deposits, often making your funds available up to two days before traditional banks. Some employers allow you to split your direct deposit between multiple accounts, which you can set up through your payroll department.

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