BECU’s routing number is 325081403. This nine-digit number is the same for all BECU members and works for direct deposits, ACH transfers, electronic payments, and setting up external account links.
Where to Find the Routing Number
If you have BECU personal checks, the routing number is printed at the bottom left of each check. It’s the first set of numbers in that row, followed by your account number and then the check number. You can also confirm it through BECU’s online banking or mobile app by looking at your account details.
Even if you don’t have checks, the number is always 325081403. Unlike some large banks that assign different routing numbers by region, BECU uses a single routing number for all members.
When You Need This Number
You’ll typically be asked for BECU’s routing number when setting up direct deposit with an employer, linking your BECU account to an external bank or payment app, scheduling ACH transfers, or making electronic bill payments. The form or setup screen will usually ask for both the routing number and your individual account number.
Your account number is specific to you and can be found on your checks (the second set of digits at the bottom), in online banking, or on your account statements. Don’t confuse the two: the routing number identifies BECU as the institution, while the account number identifies your specific account.
Wire Transfers
BECU accepts both domestic and international incoming wire transfers, but wiring money requires more information than a standard ACH transfer. If someone needs to wire funds to your BECU account, you should download the Incoming Wire Instructions PDF from BECU’s website or contact BECU directly for the exact details to provide to the sender. Wire instructions often include additional fields beyond just the routing and account numbers.
For international wires coming into your account, the sender will need a SWIFT code (sometimes called a BIC code), which identifies the receiving bank in the global messaging network. BECU does not prominently list its SWIFT code on its public website, so contact BECU’s member services to get the correct code and full international wire instructions before giving details to the sender.
ACH vs. Wire Routing Numbers
Some financial institutions use different routing numbers for ACH transactions and wire transfers. For standard ACH transactions at BECU, the routing number is 325081403. If you’re receiving a wire transfer rather than a standard ACH payment, confirm the correct routing number through BECU’s wire instructions, since wire transfers follow a different processing network and may require additional or different details.
ACH transfers, like direct deposits and automatic bill payments, typically take one to three business days to process. Wire transfers usually arrive the same day or next business day but often carry fees from the sending institution. For routine transactions like payroll deposits or monthly bill payments, ACH using the standard routing number is all you need.