ACH US Routing Number – CREDIT UNION OF SOUTHERN CALIFORNIA
| Routing Number | Address | City | State | |
| 1 | 322079133 | SUITE 330 | BREA | CA |
| 2 | 322273272 | SUITE 330 | BREA | CA |
| 3 | 322273405 | SUITE 330 | BREA | CA |
| 4 | 322274792 | SUITE 330 | BREA | CA |
| 5 | 322275678 | SUITE 330 | BREA | CA |
| 6 | 322280252 | SUTIE 330 | BREA | CA |
| 7 | 322280485 | SUITE 330 | BREA | CA |
| 8 | 322280870 | SUITE 330 | BREA | CA |
| 9 | 322282768 | SUITE 330 | BREA | CA |
| 10 | 322283796 | SUITE 330 | BREA | CA |
| 11 | 322283835 | SUITE 330 | BREA | CA |
ACH US Routing Number – Credit Union of Southern California
What is an ACH Routing Number?
An ACH routing number is a 9-digit code that identifies financial institutions in the United States. It is used to process electronic funds transfers through the Automated Clearing House (ACH) network. The ACH network facilitates direct deposits, bill payments, and other transactions.
What is Credit Union of Southern California?
Credit Union of Southern California (CU SoCal) is a full-service financial institution based in Whittier, CA. It was established in 1954 and is federally insured by the NCUA.
History and Background
CU SoCal was originally chartered to serve City of Commerce employees. Over the years, it expanded membership to include various employee groups and residents across Southern California. Today, it has over 165,000 members.
Membership and Branches
Membership at CU SoCal is open to anyone who lives, works, worships, or attends school in Los Angeles, Orange, Riverside, or San Bernardino counties. The credit union has 15 branches in Southern California.
Credit Union of Southern California’s Routing Number
The routing number assigned to Credit Union of Southern California by the American Bankers Association is 322282768
. This number identifies CU SoCal and enables the routing of transactions through the ACH network.
Where to Find the Routing Number
The routing number can be found at the bottom of checks issued by Credit Union of Southern California. It can also be found on the credit union’s website or by contacting their customer service department. The routing number is always 9 digits long.
Uses of Credit Union of Southern California’s Routing Number
Setting up Direct Deposit
The routing number is essential when establishing direct deposit for paychecks or government benefits into a CU SoCal account. Providing an employer or agency with the credit union’s routing number links the account to the ACH network.
Wire Transfers
Including the routing number with domestic or international wire transfer instructions properly routes the funds from the sending account to the recipient’s CU SoCal account.
ACH Transfers
Whether sending or receiving funds, the routing number ensures an ACH transfer pulls from or deposits into the correct Credit Union of Southern California account.
How Routing Numbers Work
Routing Number Structure
Routing numbers are comprised of a standardized 9-digit format:
- First 4 digits – Federal Reserve Routing Symbol
- Next 4 digits – Identify CU SoCal specifically
- Final digit – Checksum
The checksum digit enables error detection during automated processing of transactions.
Routing Number Roles
Identifying the Financial Institution
The combination of the first and middle digits pinpoints CU SoCal’s location and identity. This distinguishes it from other institutions registered with the Federal Reserve.
Directing Transfers
Whether transferring to or from CU SoCal, the routing number ensures the funds go to or come from the right place. Think of it like a ZIP code routing mail to its destination.
Why Routing Numbers Matter
Avoiding Errors and Delays
Accurately matching names and account numbers is crucial – but providing the correct routing number is equally important. Even the smallest mistake can lead to processing glitches, rejected payments, and other problems.
Preventing Fraud and Identity Theft
Routing numbers verify the validity of accounts. Including the proper routing number safeguards against fraud and enhances the security of electronic payments and funds transfers.
Validating Credit Union of Southern California’s Routing Number
Double-Checking Digits
Given the prevalence of input errors, it is wise to double-check that the routing number is accurate before initiating any transaction. Carefully look at each digit and confirm it matches CU SoCal’s assigned number.
Confirming with the Credit Union
For absolute certainty, CU SoCal members can verify the institution’s routing number directly with customer service. This extra step helps avoid financially costly mistakes.
Frequently Asked Questions
- Can I use the routing number for cash deposits or payments? No, routing numbers are strictly for electronic transfers. For in-person transactions, locate your account number on your checks or debit/ATM card.
- Where do I enter the routing number for direct deposits? When setting up direct deposit, provide the CU SoCal routing number on the enrollment form along with the account number.
- Do wire transfers always need a routing number? Yes, domestic and international wire transfers require the routing number of the recipient’s financial institution – in this case, Credit Union of Southern California.
- Can I use the routing number from my checks? Yes, the printed routing number at the bottom of your CU SoCal checks is valid for electronic transfers and payments.
- Can I rely on the routing number for external transfers? You can use CU SoCal’s routing number when transferring funds from an external bank or credit union account via ACH transfer.
Conclusion
In summary, the routing number should be 322182567 uniquely identifies Credit Union of Southern California and directs electronic payments and funds transfers to the correct accounts. Accuracy matters – any digit transposed or incorrect will lead to processing errors or rejected transactions. Always double-check the routing number before initiating wires, direct deposits, or ACH transfers.