UCCU Routing Number

Complete guide to Utah Community Credit Union routing numbers for ACH transfers, wire transfers, and direct deposit setup for all UCCU members nationwide.

Wire Transfer (Domestic)

324377820

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Wire Transfer (International)

324377820

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ACH Transfer

324377820

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Swift Code

Not available

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

UCCU Routing Number for All Members

UCCU uses a single routing number for all transactions, regardless of where you opened your account or where you currently live. This makes it simple and straightforward for all members.

UCCU Routing Number: 324377820

This routing number works for:

- ACH transfers and payments

- Direct deposit setup

- Domestic wire transfers

- International wire transfers

- Bill payments

- External account transfers

Unlike larger banks that use different routing numbers for each state, UCCU operates with one unified routing number for all members nationwide. Whether you're in Utah, California, New York, or anywhere else in the United States, you'll use 324377820 for all your banking transactions.

Finding Your UCCU Routing Number

The easiest way to locate your routing number is on a UCCU check. Look at the bottom left corner where you'll see a nine-digit number. That's your routing number: 324377820.

You can also find it by:

- Logging into UCCU Online Banking and navigating to Account Details

- Viewing your account information in the UCCU mobile app

- Calling UCCU customer service at 1-800-453-8188

- Visiting any UCCU branch location

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 UCCU Bank Routing Number

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

Mobile App

Open the UCCU 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 UCCU customer service at 1-800-453-8188 for assistance finding your routing number.

Why does UCCU only have one routing number?

UCCU is a community credit union that maintains a unified routing number structure for all members. Founded in 1955 at Brigham Young University and headquartered in Provo, Utah, UCCU has grown to serve over 240,000 members nationwide while keeping operations streamlined with a single routing number. This approach eliminates confusion and makes it easier for members to set up payments, transfers, and direct deposits without worrying about different numbers for different states or transaction types.

Can I use the UCCU routing number if I opened my account in a different state?

Yes. UCCU uses routing number 324377820 for all members regardless of where you opened your account or where you currently live. Whether you joined UCCU in Utah, moved to another state, or opened your account online from anywhere in the country, you'll always use the same routing number for all transactions.

What's the difference between ACH and wire routing numbers at UCCU?

At UCCU, there is no difference. The credit union uses the same routing number (324377820) for both ACH transfers and wire transfers. This includes domestic wires, international wires, direct deposits, bill payments, and external transfers. You'll never need to worry about using different numbers for different transaction types.

Does UCCU have a SWIFT code for international transfers?

No, UCCU does not have a SWIFT code. For incoming international wire transfers, the sending bank will need to use a U.S. correspondent bank that has a SWIFT code. The correspondent bank will then complete the transfer domestically to UCCU using routing number 324377820. Contact UCCU at 1-800-453-8188 for specific instructions on receiving international wires, as the process requires additional information beyond just the routing number.

What are UCCU's wire transfer cutoff times?

UCCU has specific cutoff times for processing wire transfers. Domestic wire transfers must be initiated by 2:30 PM Mountain Time, while international wire transfers have an earlier cutoff of 1:00 PM Mountain Time. Requests submitted after these times, on weekends, or on holidays will be processed the next business day. ACH external transfers have a 3:00 PM Mountain Time cutoff. Always submit time-sensitive transfers well before the deadline to ensure same-day processing.

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