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Routing & Wire Instructions

ACU makes moving money easy!

To move money into, or out of, your America’s Credit Union account electronically you’ll need to use the America's Credit Union routing number and your account number.

  • ACU routing number: 311982435.
  • ACH Fee: None.
  • Incoming Wire Transfer: $5.00.
  • Domestic Outgoing Wire Transfer: $20.00.
  • International Outgoing Wire Transfer: $50.00.
america's credit union wire transfer being set up by a woman on her laptop

ACH vs Wire Transfers

When it comes to making payments, speed matters.

ACH Payment

When you electronically move money to and from your accounts using the America's Credit Union routing number and your account number you're conducting a transfer known as an ACH transfer (Automated Clearing House). Moving money this way can take up to a few business days to reach its final destination.

At ACU, we will make the funds that have been received in your account via ACH available to you on the date indicated by the originator.

America’s Credit Union Routing (ABA) Number: 311982435

Domestic and International Wire Transfers

A wire transfer moves money more quickly than the ACH method described above. Typically funds can be received in as little as a couple of hours depending on the processing speed of the institutions or entities sending and receiving the money. Because of the more efficient processing method, there is a $5.00 incoming wire fee to receive a wire transfer. Funds that have been received in your account via a wire transfer will be made available to you immediately.

To send a wire transfer from your ACU account please contact us at 972-494-5328 or visit one of our branch locations. Wires greater than $10,000 will require a visit to a branch.

To receive a wire transfer into your ACU account you will need Routing/Transit (ABA) number 311982435 and the MICR number which is the long number located at the bottom of your checks and is used for setting up direct deposits and automatic withdrawals from your accounts. This is not the same as your account number.

ach payments a man setting up an america's credit union ach payment on tablet
man on tablet setting up an ach payment