
The check routing number for Navy Federal Credit Union is 256074974. This is the number you'll need to use when setting up direct deposit, paying bills, or sending checks.
To find the check routing number, you can look at the bottom of a Navy Federal Credit Union check. It's usually the first group of numbers.
What is a Routing Number?
A routing number is a way to identify check-processing endpoints, and you can usually find it on the lower-left corner of your checks.
It's a nine-digit number that directs funds to the proper bank during a transaction. This number is essential for electronic transfers and processing checks in the US.
The American Bankers Association (ABA) established these numbers, and the terms "routing", "transit", and "ABA" number are used interchangeably to refer to this nine-digit identifier.
A routing number identifies a bank or financial institution, and it's required for electronic transfers and check processing. You'll need to know your routing number to set up direct deposit, pay bills online, or send money to others.
In the US, a routing number is a nine-digit numerical number developed by the American Bankers Association in 1910. This number is only issued to federal or state-chartered financial institutions that are eligible to maintain an account at a Federal Reserve Bank.
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Finding and Using Your Routing Number
Finding and using your Navy Federal routing number is a straightforward process. You can find it on a check, in your online banking portal, or by contacting Navy Federal's customer service.
Navy Federal has one routing number that serves multiple purposes: 256074974. This number is used for domestic wire transfers, direct deposits, and checks.
To complete a wire transfer with Navy Federal, you'll need to provide the routing number and the sender's account information. For international wire transfers, you'll also need a SWIFT code, which is NFCUUS33.
You can use your Navy Federal routing number for various banking transactions, including setting up direct deposit, making ACH transfers, and paying bills online.
Here are some common uses for your Navy Federal routing number:
- Direct deposit: Get your paychecks and government benefits directly deposited into your account.
- ACH transfers: Send or receive money electronically between banks.
- Paying bills online: Link your checking or savings accounts to pay your bills online.
Remember, Navy Federal does not process foreign currency in wire transfers, so the sender must convert the funds to U.S. dollars before the transfer is made.
Routing Number Format and Usage
A Navy Federal Credit Union check routing number is a nine-digit unique identification number that can be found in two forms: the fraction form and the MICR (magnetic ink character recognition) form.
The routing number is used for various financial transactions, including electronic funds transfer, direct deposit, and wire transfers.
You'll need your Navy Federal routing number for different banking transactions, such as setting up direct deposit, making ACH transfers, and paying bills online.
Here are some examples of how to use your Navy Federal routing number:
- Domestic wire transfers: 256074974
- International wire transfers: 256074974 (with SWIFT code NFCUUS33)
A routing number is used when processing check and electronic transactions, like fund transfers, direct deposits, bill payments, and digital checks.
Fedwire money transactions are processed by the Federal Reserve Banks using routing transit numbers.
The routing number is required by the Automated Clearing House (ACH) network to permit electronic transactions, such as wage and pension payments.
Note that international wire transfers sometimes require a SWIFT code, a series of eight to 11 characters, including both numbers and letters.
Here's a summary of the information you'll need to complete a wire transfer with Navy Federal:
This table is up to date as of 2020, but it's always a good idea to double-check with Navy Federal for the most current information.
Online Banking and Account Management
To access your Navy Federal Credit Union account and find your routing number online, you can use their website or mobile app.
Just log in to your account, and you'll be taken to the main dashboard. From there, navigate to the account details section.
Your routing number should show up next to your account number. This is the easy way to find it, and it's available 24/7.
To make it even easier, here's a step-by-step guide to finding your routing number online:
- Log in to your account.
- Navigate to the account details section.
- Your routing number should show up next to your account number.
Example and Calculation
The cheque digit of a routing number is the ninth digit and must meet a specific condition to be valid. This condition is expressed as an equation: 3(d1 + d4 + d7) + 7(d2 + d5 + d8) + (d3 + d6 + d9) mod 10 = 0.
Here's how to break down an ABA routing number: the first four digits represent the Federal Reserve symbol, the next four digits represent the Federal Reserve Bank the institution's electronic and wire transfers will route through, the fifth digit represents the cheque processing center identifier, the sixth digit represents the bank district identifier, and the seventh digit represents the cheque digit.
For example, the routing number 011900571 for Bank Of America, Virginia, can be broken down as follows: Federal Reserve symbol (0119), Federal Reserve Bank (00), Cheque Processing Center Identifier (05), Bank District Identifier (7), and Cheque Digit (1).
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Example: Breakdown

Let's break down the ABA routing number into its individual components. The first digit is the Federal Reserve Symbol, which identifies the Federal Reserve Bank that the institution's electronic and wire transfers will route through.
The next three digits represent the Federal Reserve Bank the Institution's Electronic and Wire Transfers Will Route Through. This information is crucial for ensuring that transactions are processed correctly.
The Cheque Processing Center Identifier is a four-digit code that identifies the cheque processing center for the bank. This helps to ensure that cheques are processed efficiently and accurately.
The Bank District Identifier is a two-digit code that identifies the bank's district. This information is used to route transactions to the correct bank.
The Cheque Digit is a single digit that is used to verify the accuracy of the cheque number. This helps to prevent errors and ensure that cheques are processed correctly.
Here is a summary of the ABA routing number breakdown:
Cheque Amount Calculation

Cheque Amount Calculation is a crucial step in the banking process, but it's not as complex as you might think. The routing number, which is usually 9 digits long, plays a significant role in this calculation.
To calculate the cheque digit, you need to use a specific formula involving the digits of the routing number. The formula is: 3(d1 + d4 + d7) + 7(d2 + d5 + d8) + (d3 + d6 + d9) mod 10 = 0.
This formula is used to calculate the cheque digit, which is the ninth digit of the routing number. For example, the routing number 011900571 is used to calculate the cheque digit.
Frequently Asked Questions
What bank is routing number 211177133?
The routing number 211177133 is associated with Crosspoint Federal Credit Union in Connecticut. This routing number facilitates transactions for the credit union's members.
How do I find my routing number and account number on a check?
Check the bottom of your check for the ABA Routing Number, which is the left-most number, followed by your account number and check number
Do all Navy Federal accounts have the same routing number?
No, not all Navy Federal accounts have the same routing number, but Navy Federal accounts have a standard 10-digit routing number of 256074974.
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