ACH US Routing Number – MUFG UNION BANK

	Routing Number	Address	City	State
1	026005050	1455 FIRST AVENUE	SAN DIEGO	CA
2	111026041	PO BOX 85929	SAN DIEGO	CA
3	121000497	PO BOX 85929	SAN DIEGO	CA
4	121139685	PO BOX 85929	SAN DIEGO	CA
5	121140713	PO BOX 85929	SAN DIEGO	CA
6	121140742	PO BOX 85929	SAN DIEGO	CA
7	121141864	PO BOX 85929	SAN DIEGO	CA
8	121181798	PO BOX 85929	SAN DIEGO	CA
9	122000496	PO BOX 85929	SAN DIEGO	CA
10	122043518	PO BOX 85929	SAN DIEGO	CA
11	122220593	PO BOX 85929	SAN DIEGO	CA
12	122238077	PO BOX 85929	SAN DIEGO	CA
13	122240683	ELECTRONIC BANKING D-339	SAN DIEGO	CA
14	122241501	ELECTRONIC BANKING D-339	SAN DIEGO	CA
15	122241941	PO BOX 82929	SAN DIEGO	CA
16	122242034	PO BOX 85929	SAN DIEGO	CA
17	123000068	PO BOX 85929	SAN DIEGO	CA
18	123206613	PO BOX 85929	SAN DIEGO	CA
19	125000118	PO BOX 85929	SAN DIEGO	CA
20	125008288	PO BOX 85929	SAN DIEGO	CA
21	125107260	PO BOX 85929	SAN DIEGO	CA
22	125107626	PO BOX 85929	SAN DIEGO	CA
23	125107736	PO BOX 85929	SAN DIEGO	CA
24	321170318	PO BOX 85929	SAN DIEGO	CA
25	321181271	PO BOX 85929	SAN DIEGO	CA

ACH US Routing Number – MUFG UNION BANK

What is an ACH Routing Number?

An ACH routing number is a 9-digit code that identifies financial institutions in the United States for the purpose of routing electronic transactions through the Automated Clearing House (ACH) network. It is used for various electronic funds transfers like direct deposits, online bill payments, person-to-person transfers, and more.

The routing number serves as an address that helps route the payment from the originating bank to the correct receiving bank and account. It ensures your money goes where it needs to accurately and efficiently. Routing numbers are also occasionally referred to as ABA routing numbers or routing transit numbers (RTNs).

Overview of MUFG Union Bank

MUFG Union Bank is a full-service commercial bank that provides a wide range of financial services to consumers, small businesses, middle-market companies, and major corporations. It is the primary subsidiary of the Mitsubishi UFJ Financial Group (MUFG), one of the world’s largest financial organizations.

MUFG Union Bank has over 350 retail branches across California, Oregon, and Washington. It also has commercial banking offices in Texas, Illinois, New York, and Georgia. As of 2022, it held over $182 billion in assets and served over 1 million customers.

The bank offers extensive products and services including checking and savings accounts, certificates of deposit (CDs), debit and credit cards, home loans, student loans, commercial loans, cash management, international services, and wealth management. It provides both personal and business banking solutions.

MUFG Union Bank can trace its roots back to the founding of Bank of California in 1864. Through mergers and acquisitions over the decades, it adopted the Union Bank name in 1996 and MUFG Union Bank name in 2014 after acquisition by MUFG. It has a long history and established presence on the West Coast and nationwide.

MUFG Union Bank ACH Routing Number

The ACH routing number for MUFG Union Bank is:121140742

MUFG Union Bank ACH Routing Number: XXXXXXXXX (Insert the specific routing number)

This 9-digit code uniquely identifies MUFG Union Bank for routing ACH transactions through the payment network.

When sending or receiving funds electronically, this is the routing number that needs to be specified to complete transfers with MUFG Union Bank accounts.

The routing number is always formatted as a 9-digit code without any spaces or hyphens. Other information that may be needed along with the routing number for an ACH transaction is the account number and account type.

Locating the MUFG Union Bank Routing Number

The MUFG Union Bank routing number can be found in a few places:

At the bottom of a check issued from a MUFG Union Bank account – the routing number is the first 9 digits
Printed on a MUFG Union Bank deposit slip or statement
Available online at the MUFG Union Bank website

When in doubt, you can always call a MUFG Union Bank representative to verify the correct routing number for ACH transfers. Having the proper routing number helps avoid delays and issues with electronic payments posting.

Using the MUFG Union Bank Routing Number

The main uses of the MUFG Union Bank routing number for ACH transactions include:

Adding It to Payment Requests

When sending payments electronically through your bank’s online bill pay system or money transfer platforms like Zelle, you need to enter the routing number along with the recipient’s account details. This allows the transfer to be processed and routed to MUFG Union Bank properly.

For example, to pay a friend or service provider who banks with MUFG Union Bank, you would enter 122000496 as the routing number to initiate the ACH pull from your bank account.

Providing to Payers for Direct Deposits

To set up direct deposit of your paycheck, government benefits, or other recurring payments, you need to give the routing number to the payer along with your MUFG Union Bank account number.

Whether providing the information through an online form or physical direct deposit authorization form, supplying the correct routing number helps ensure the funds are deposited into your account smoothly.

Troubleshooting Issues with the Routing Number

When sending or receiving ACH transfers, errors sometimes occur if the wrong routing number is entered. Here are tips for troubleshooting issues:

Verify accuracy: Double check that the routing number entered matches the official MUFG Union Bank routing number – 122000496. One digit off can cause transaction failures.
Check for formatting errors: Be sure the routing number is entered as 9 consecutive digits without spaces or symbols. Inclusion of dashes or other punctuation marks can lead to mistakes.
Try re-entering the details: If a transfer fails, carefully re-enter the routing number and account information and try processing again. Human error sometimes occurs when inputting lengthy strings of numbers.
Contact your bank: Your bank may be able to look into pending transfers that are stuck because of routing number issues and provide guidance.
Confirm with the other party: Contact the sender or recipient to verify the routing number on their end matches what your bank has on file.

Taking proactive steps to validate the routing number is accurate on all sides can help identify and resolve the underlying problem.

MUFG Union Bank Routing Number Uses

The main uses of the MUFG Union Bank ACH routing number include:

Setting Up Direct Deposit

Supply the 122000496 as a routing number along with your MUFG Union Bank account number to your employer or other payer to establish direct deposit. This allows quick, paperless deposit of your pay, government benefits, or other recurring payments.

Making Electronic Transfers

Use the routing number when sending one-time or recurring ACH transfers to MUFG Union Bank accounts from your other bank accounts. This allows seamless delivery of funds via platforms like Zelle or your bank’s bill pay system.

Receiving Wire Transfers

Some wire transfer services require entering both the routing number and account number to accept domestic wire transfers into your MUFG Union Bank account.

Linking Accounts

You may need to provide the routing number when linking external accounts like PayPal to your MUFG Union Bank account for convenient transfers.

Authorizing E-Check Payments

When paying bills or other merchants electronically, the routing number helps authorize the e-check payment from your MUFG Union Bank account.

So whether accepting deposits or making payments, the correct MUFG Union Bank routing number helps facilitate smooth electronic ACH transfers.

Frequently Asked Questions

What are the key details I need to make an ACH transfer to a MUFG Union Bank account?
- You need the recipient’s 9-digit MUFG Union Bank routing number appear as (122000496), their account number, and the account type (checking, savings, etc.).
Where can I find the routing number if I don’t have a paper check?
- You can get the official routing number directly from the MUFG Union Bank website or by calling their customer service number and asking for it.
Do I need to include the routing number when withdrawing from my own MUFG Union Bank account?
- No, for transfers between your own accounts, you only need to provide your account details, not the routing number. The routing number is used to route transfers between different financial institutions.
Can I use the MUFG Union Bank routing number for wire transfers too?
- No, wire transfers require a different set of numbers – the wire routing number and SWIFT code. You cannot use the ACH routing number for wires.
Does the routing number ever change?
- Bank routing numbers rarely change. However, if MUFG Union Bank is acquired or merges with another bank, they may adopt the acquiring bank’s routing number. Check the MUFG website periodically for any updates.

Conclusion

In summary, the ACH routing number is an important piece of information needed to route electronic payments and transfers. MUFG Union Bank’s routing number like – 122000496 – should be provided anytime you need to send or receive ACH transactions through MUFG accounts. Keeping the routing number on hand along with account details helps ensure smooth processing of direct deposits, bill payments, account transfers, and other electronic money movements involving MUFG Union Bank. Double checking for accuracy and formatting issues can help avoid potential transaction errors or delays.

ACH US Routing Number – MUFG UNION BANK