Woodforest National Bank Routing Numbers

Frequently Asked Questions About Woodforest National Bank Routing Numbers

Why does Woodforest have routing numbers that vary by county?

Woodforest National Bank grew rapidly through strategic branch expansion and acquisitions of community banks across multiple states. When banks merge or acquire other institutions, they often maintain the original routing numbers to prevent disruption to existing customers' automatic payments, direct deposits, and bill pay services. County-specific routing numbers in states like Illinois, Indiana, Pennsylvania, and West Virginia reflect different banking regions or legacy bank systems that Woodforest integrated over time. This county-level variation is less common than state-level variation but ensures continuity for customers whose accounts originated under different banking charters.

Can I use any Woodforest routing number for my account?

No, you must use the specific routing number associated with the branch where you opened your account. Using the wrong routing number can cause your transaction to be rejected, delayed by several days, or in some cases routed to the wrong branch entirely, requiring manual intervention to locate your account. This is particularly important for Woodforest customers in Illinois, Indiana, Pennsylvania, West Virginia, and Texas, where multiple routing numbers exist within the same state. Always verify your routing number by checking your personal checks or contacting Woodforest at 1-877-968-7962 before setting up any new automatic transactions.

Does Woodforest have a SWIFT code for international transfers?

No, Woodforest National Bank does not have its own SWIFT code and cannot directly receive international wire transfers. However, you can still receive international funds through an intermediary bank. The sending bank in the foreign country will wire funds to a U.S. correspondent bank that has a relationship with Woodforest, and that intermediary bank will then transfer the funds domestically to your Woodforest account using your routing number. To receive international wires, call Woodforest at 1-877-968-7962 to get the specific intermediary bank instructions you'll need to provide to the sender. International wire transfers through an intermediary bank can take 3-7 business days to complete.

What's the difference between Woodforest's routing numbers for ACH and wire transfers?

At Woodforest, both ACH transfers and wire transfers use the same routing numbers, which vary by state and sometimes by county. Unlike larger national banks that often have separate routing numbers for different transaction types, Woodforest uses location-based routing numbers for all transaction types. Whether you're setting up direct deposit (ACH), sending a domestic wire transfer, or receiving a payment, you'll use the same routing number based on where your account was opened. However, wire transfers process same-day and cost $20 for outgoing domestic wires and $10 for incoming, while ACH transfers take 1-3 business days but typically have lower or no fees depending on your account type.

How do I find out which county my Woodforest account was opened in?

The easiest method is to look at your checks - the routing number on them will tell you which region your account is associated with. You can then match that routing number to the county list provided above. You can also check your original account opening documents, which should list the specific branch address where you opened the account. If you're still unsure, the fastest solution is to call Woodforest customer service at 1-877-968-7962 and ask them to confirm your routing number and the associated branch location. For online-only account openings, the routing number is typically based on the address you provided during application, so check your initial welcome email or account confirmation documents.