NFCU Routing Numbers: All You Need To Know

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NFCU Routing Numbers: All You Need To Know

The Navy Federal Credit Union is the biggest global credit union serving 10.8 million members including the army, the marine corps, and veterans and their families –its assets are valued at $151 billion as of September. The union boasts a network of more than 30,000 free ATMs and 346 branches around the globe.

With such a number of members making transfers –including international wire transfers– every day, having the correct Navy Federal routing number is absolutely essential. It will allow you to transfer money, make an international wire transfer, and set up a direct deposit.

But first things, first: Let’s have a look at what a routing number is!

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What is a routing number?

A routing number is essential for any transaction. It is a sequence of nine numbers that helps banks identify other financial institutions in America, and it’s also known as an ABA routing number –It guarantees that you are dealing with one of the Federal Reserve banks, and it’s especially important when transferring money overseas.

Depending on the state of the account holder, it is common for larger banks to have multiple routing numbers assigned by the American Bank Association. Routing numbers are always necessary when ordering checks, paying consumer bills, making direct deposits –such as a payroll check– or paying taxes.

Let’s have a look at the Navy Fed account number!

Finding Your Navy Federal Routing Number On A Check

The Navy Federal Credit Union Routing Number is 256074974. It’s possible to find your Navy Federal routing number on a check, so let’s have a look at the main clues.

  1. Grab any check you have within reach!
  2. Take a look at the bottom-left corner and identify the 9-digit sequence
  1. The number to the bottom-center is the account number
  2. Grab some pen and paper and write it down or type it in your quicky notes app, so you find it every time you need it!

Navy Federal Routing Numbers By State

The Navy Federal Credit Union uses the same number for every state. Still, you can find your state in the list below and see for yourself!

State ABA Routing Number
Alabama 256074974
Alaska 256074974
Arizona 256074974
Arkansas 256074974
California 256074974
Colorado 256074974
Connecticut 256074974
Delaware 256074974
Florida 256074974
Georgia 256074974
Hawaii 256074974
Idaho 256074974
Illinois 256074974
Indiana 256074974
Iowa 256074974
Kansas 256074974
Kentucky 256074974
Louisiana 256074974
Maine 256074974
Maryland 256074974
Massachusetts 256074974
Michigan 256074974
Minnesota 256074974
Mississippi 256074974
Missouri 256074974
Montana 256074974
Nebraska 256074974
Nevada 256074974
New Hampshire 256074974
New Jersey 256074974
New Mexico 256074974
New York 256074974
North Carolina 256074974
North Dakota 256074974
Ohio 256074974
Oklahoma 256074974
Oregon 256074974
Pennsylvania 256074974
Rhode Island 256074974
South Carolina 256074974
South Dakota 256074974
Tennessee 256074974
Texas 256074974
Texas – El Paso 256074974
Utah 256074974
Vermont 256074974
Virginia 256074974
Washington 256074974
Washington D.C. 256074974
West Virginia 256074974
Wisconsin 256074974
Wyoming 256074974

Navy Federal Routing Numbers For Wire Transfers

It is common that banks and other financial institutions have a distinctive routing number for domestic and international wire transfers. Nevertheless, this is not the case with the Navy Federal Credit Union since it uses the same wire transfer number as the routing number.

“If you bank with another financial institution, then double-check you are using the right number. Other banks will use a specific SWIFT Code for international wire transfers.”

Navy Federal Routing Number For ACH Transfers

Every time you make an ACH transfer to any Navy Federal account, you will have to include the ACH routing number. If it’s a domestic ACH transfer, you must use the ACH routing number 256074974.

Navy Federal Credit Union Wire Transfer Fees

Whenever making a wire transfer through the Navy Federal Credit Union, you will incur some expenses to bear in mind. So, let’s take a look at each of them!

International Wire Transfer

When making an international wire transfer, customers will have to pay a $25 fee, and the money will reach the other end in 5 to 7 business days. Still, you can have a look at the myriad of money transfer apps for the best rates.

Domestic Wire Transfer

Domestic transfers are slightly cheaper than international ones, as customers have to pay a $15 fee. The Federal Credit Union routing is not as complicated as you might think.

Navy Federal Routing Number vs Account Number

Some people might confuse the Navy Federal routing number with the account number! It is important to remember that the routing number is a 9-digit code, whose purpose is to identify any Navy Federal account when making a transfer.

On the other hand, the account number has one more digit for a total of 10. This is important as one extra digit can derail your transaction. When using the routing number from a check, remember that the routing number is at the bottom-left of the paper, and the account number is next to it at the bottom-center!

FAQs

How many digits is a Navy Federal account number?

A Navy Federal routing number comprises 10 digits. If you want to retrieve it, just sign in to the mobile app and choose the account you want information about. Then, click on “Show More Details” and you’ll be able to see both the routing number and the last 4 digits of the account number. If you select “Show” in the drop-down menu, you’ll be able to see the account number in full.

How do I get a voided check from Navy Federal Online?

There are currently two ways you can do this. One is by signing in to the Navy Federal App, and selecting “More” and then “Send Money.” Then, you can select “Request a Cashier’s Check” and then “New Cashier’s Check” or any of the last checks you requested, so you can use them as a template.

After filling in the information and choosing the delivery method, just select “Submit” and then “Done.”

The other way is through online banking. Here, you just have to sign in to your account on the Navy Federal website and select the “Account Services” tab; under “Checking & Savings” you must select “Request Cashier’s Check” and select any of the previously chosen as a template, or choose a blank one.

Upon completing the required fields, you just have to select “Submit” and then “Done” to finish your order.

Can civilians join the Navy Federal Credit Union?

The Navy Federal Credit Union offers several low-cost financial services to the members of the military, veterans, and their families. Since the benefits seem enticing, you might wonder whether you could join the Navy Fed even without being involved in the military at all. The answer is, yes!

The truth is, every close or household relative of anyone who’s eligible for the Navy Fed can join. This means that grandparents, parents, spouses, children, and grandchildren can become members and enjoy the benefits.

“Since you’ll be joining as a non-military member, an eligible Navy Fed member must provide their last name, Access Number, and affiliation to sponsor your membership before you can sign up.”

Final Thoughts

The Navy Federal Credit Union is one of the biggest credit unions in the world. For every transaction, you need the 9-digit Navy Federal routing number, which you can find on a check or on the app. Unlike several other financial institutions, the Navy Fed has one routing number for every type of transaction and every state.

Jacob Wolinsky is the founder of ValueWalk.com, a popular value investing and hedge fund focused investment website. Jacob worked as an equity analyst first at a micro-cap focused private equity firm, followed by a stint at a smid cap focused research shop. Jacob lives with his wife and four kids in Passaic NJ. - Email: jacob(at)www.valuewalk.com - Twitter username: JacobWolinsky - Full Disclosure: I do not purchase any equities anymore to avoid even the appearance of a conflict of interest and because at times I may receive grey areas of insider information. I have a few existing holdings from years ago, but I have sold off most of the equities and now only purchase mutual funds and some ETFs. I also own a few grams of Gold and Silver
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