Routing NumberAddressCityState
1053185079P O BOX 3619DURHAMNC
2053185406P O BOX 3619DURHAMNC
3053185574P O BOX 3619DURHAMNC
4253174851P.O. BOX 3619DURHAMNC
5253176215P O BOX 3619DURHAMNC
7253177476P O BOX 3619DURHAMNC
9253184427P O BOX 3619DURHAMNC
10253184472P O BOX 3619DURHAMNC
11253184841P O BOX 3619DURHAMNC
12253185002P.O. BOX 3619DURHAMNC


Routing numbers are essential for facilitating electronic financial transactions like direct deposits and automated payments. They act like a postal address, directing funds to the correct financial institution and account. Self-Help Credit Union has its own unique routing number used for Automated Clearing House (ACH) transactions. In this article, we’ll discuss what an ACH routing number is, provide key details on Self-Help Credit Union, and cover how to properly use the credit union’s routing number for hassle-free ACH payments and transfers.

What is an ACH Routing Number?

An ACH routing number is a 9-digit code that identifies the financial institution responsible for handling electronic fund transfers. It ensures that money moves between the correct accounts during ACH transactions.

Routing numbers are also sometimes called ABA routing numbers or RTNs (Routing Transit Numbers). They are assigned by the American Bankers Association and act as a roadmap for money movement.

The 9-digit routing number breaks down like this:

  • Digits 1-4 – Federal Reserve routing symbol
  • Digit 5 – Always 0 for routing numbers
  • Digits 6-8 – Institution identifier
  • Digit 9 – Check digit

Routing numbers enable the smooth transfer of money directly between accounts, without the need for paper checks or wire transfers.

What is Self-Help Credit Union?

Self-Help Credit Union is a member-owned, nonprofit financial cooperative that serves over 160,000 members across California, Illinois, Florida, Wisconsin, Alabama, and North Carolina.

History and Background

Self-Help was founded in 2008 through the merger of four credit unions focused on serving low-income communities. It is part of the Self-Help family of nonprofits that also includes the Center for Community Self-Help and Self-Help Ventures Fund.

The credit union’s mission is to provide responsible financial services that assist underserved individuals and communities in building wealth and securing the American Dream. It aims to promote both financial and social change.

Services and Products

Self-Help Credit Union offers a full range of banking and lending services to consumers and small businesses. Key offerings include:

  • Checking and savings accounts
  • Certificates of deposit
  • Credit cards
  • Auto, mortgage, small business, and personal loans
  • Financial planning and education

The credit union also has a focus on community development real estate lending. It provides financing for affordable housing, community facilities, and commercial real estate projects that benefit lower-wealth communities.

Self-Help Credit Union’s ACH Routing Number

Self-Help Credit Union’s routing number for ACH transactions is: 254872830 is an example (see table above for accurate ACH Routing Number)

This 9-digit code is key for facilitating electronic payments and transfers in and out of accounts held at Self-Help CU.

Where to Find the Routing Number

The routing number can be found at the bottom of checks issued for Self-Help CU accounts. It is also printed on deposit slips.

The quickest way to identify the ACH routing number is to log into online or mobile banking. Under account settings or account details, the full routing number will be displayed.

You can also call the credit union directly or visit a branch to inquire about the routing number. Having it available ensures you enter the right details when setting up direct deposits or digital payments linked to your Self-Help account.

Uses of the Routing Number

The main uses of Self-Help Credit Union’s routing number include:

  • Setting up direct deposit for paychecks or government benefits like social security.
  • Connecting the account to digital peer-to-peer services like PayPal or Venmo.
  • Establishing automatic bill pay through merchants and utility companies.
  • Wiring funds from other banks or financial institutions.
  • Linking the account to mobile payment services and apps.

Providing the correct routing number helps guarantee no disruptions to your automated deposits or transfers to and from your Self-Help CU accounts.

How ACH Transactions Work

ACH payments rely on behind-the-scenes coordination between financial institutions to transfer funds digitally. Here is a quick overview of how ACH routing numbers enable these electronic transactions:

Originating Depository Financial Institution

This is the bank or credit union where the funds originate. The routing number tells the originating bank where to pull the money from.

ACH Operator

Operators like the Federal Reserve and The Clearing House manage the flow of ACH transfers. They use the routing number to direct transactions.

Receiving Depository Financial Institution

The receiving or destination bank utilizes the routing number to identify where to deposit the money. The funds can then go into the correct member account.

In short, the originating bank uses the routing number to take money out of an account, ACH operators steer funds to the right place, and the receiving bank employs the routing number to deposit the money into the proper account.

Tips for Using Self-Help Credit Union’s Routing Number

Confirm Accuracy

Double and triple check that you have the right routing number for Self-Help CU. Entering an incorrect digit sequence can delay or disrupt transfers. Take extra care to validate the accuracy before inputting it anywhere.

Follow Proper Formatting

When entering Self-Help’s routing number electronically, be sure to follow the correct 9-digit format:

Check Digits

Do not omit any leading zeros. The system requires all 9 digits, including zeros at the start.


Do not add any spaces or dashes. Enter the full routing number string together with no separation between numbers.

Avoid Common Errors

Steer clear of frequent mistakes like transposing numbers, missing digits, and using routing numbers from other institutions. Proofread carefully and use the tools available like check previews to avoid errors.

Common ACH Transaction Types

ACH transactions encompass a wide array of financial activities, including payroll processing, vendor payments, and recurring bill payments. The versatility of ACH makes it a preferred choice for businesses and individuals alike.

Frequently Asked Questions

What if I input the wrong routing number?

Contact your bank or merchant immediately and provide the correct routing number to update the details. Unresolved errors can lead to payment processing issues, failed transfers, and delays.

Where can I validate the routing number?

The quickest validation method is to log into online banking or check your documents, like deposit slips and checks, from Self-Help CU. You can also call the credit union directly to confirm.

Can I use Self-Help’s routing number with multiple accounts?

Yes, the routing number links to Self-Help CU overall, not just a single account. You can use it for transfers or payments tied to any eligible accounts held there.

Is the routing number the same for wires and ACH?

Self-Help Credit Union has one main routing number that works for both wire transfers and ACH transactions. Some banks have separate wire transfer routing codes.

Can individuals outside the US use Self-Help CU’s routing number?

No, routing numbers are tied to US banking systems. International individuals cannot utilize Self-Help’s routing for transfers.


In summary, Self-Help Credit Union’s ACH routing number allows for smooth electronic fund transfers between accounts. Understanding what the 9-digit code is used for, properly formatting it, and avoiding common mistakes gives you greater control over automated transactions linked to your Self-Help accounts. Keeping the credit union’s unique routing number handy helps ensure seamless direct deposits and digital payments.

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