BECU Routing Number

Your complete guide to BECU routing numbers for ACH transfers, wire transfers, and direct deposit setup for members across Washington, Oregon, and Idaho.

Wire Transfer (Domestic)

325081403

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Wire Transfer (International)

325081403

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ACH Transfer

325081403

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Swift Code

Not available

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ACH routing numbers vary by state. See state-specific numbers below.

This is an informational resource from Nickel Payments

We are not affiliated with BECU. Nickel supports secure transfers from BECU and thousands of other banks. For official BECU support, contact them directly.

BECU Routing Number

BECU uses a single routing number for all members, regardless of where you opened your account or which branch you use. This straightforward approach makes it easy to set up payments and transfers.

Primary Routing Number: 325081403

Use this number for:

- ACH transfers

- Direct deposits

- Wire transfers (domestic)

- Bill payments

- External account links

- Mobile check deposits

Service Areas:

BECU serves members throughout the Pacific Northwest with primary locations in:

Washington State (All Counties):

- Puget Sound Region (King, Pierce, Snohomish, Thurston Counties)

- Eastern Washington (Spokane, Yakima Counties)

- Southwest Washington (Clark, Cowlitz Counties)

- All other Washington counties

Oregon (Select Counties):

- Benton, Clackamas, Clatsop, Columbia, Coos, Curry, Deschutes, Douglas, Jackson, Josephine, Klamath, Lane, Lincoln, Linn, Marion, Multnomah, Polk, Tillamook, Washington, and Yamhill

Idaho (Select Counties):

- Benewah, Bonner, Boundary, Clearwater, Idaho, Kootenai, Latah, Lewis, Nez Perce, and Shoshone

Note: As a credit union, BECU uses one routing number for all transaction types and all members, making it simpler than large national banks that often have different routing numbers by state or transaction type.

Important Information

Everything you need to know before making a transfer

Avoid Common Mistakes

These errors cause most routing number problems

Using a routing number from the wrong state
Mixing up ACH and wire routing number
Entering your account number instead of routing number
Using an old routing number after a bank merger
Not updating routing number after moving states and opening a new account

Processing Times

Wire transfers: Same business day
ACH transfers: 1-3 business days
International wires: 3-5 business days

Security Tips

Routing numbers are public and safe to share
Never share your full account number publicly
Verify recipient details before sending money

Transaction Limits

Wire transfer limits vary by account type
ACH transfers may have daily limits
Contact bank for specific limit information

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How to Find Your BECU Bank Routing Number

Multiple ways to locate your BECU Bank routing number quickly

On Your Check

The routing number is the first 9 digits on the bottom left of your check, before your account number.

Online Banking

Log into your BECU online banking and navigate to Account Details to view your routing number

Mobile App

Open the BECU mobile app, select your account, and tap on Account Details to find your routing number.

Bank Statement

Your routing number is printed on your monthly bank statement, usually near your account information.

Contact Bank

Call BECU customer service at 1-800-233-2328 for assistance finding your routing number.

Frequently Asked Questions About BECU Routing Numbers

Why does BECU only have one routing number?As a credit union founded in 1935 by Boeing employees, BECU operates with a single routing number (325081403) across its entire membership base. Unlike large national banks that acquired regional institutions and maintained separate routing numbers, credit unions typically use one number for all members and all transaction types. This reflects BECU's cooperative structure and centralized operations in the Pacific Northwest.

Can I use the BECU routing number if I opened my account at any branch?Yes. All BECU members use the same routing number (325081403) regardless of which branch they joined at or where they currently live. This applies whether you opened your account in Seattle, Spokane, Tukwila, or any other BECU location in Washington, Oregon, or Idaho.

What's the difference between ACH and wire routing numbers at BECU?There is no difference. BECU uses routing number 325081403 for both ACH transfers and wire transfers. You can use this same number for direct deposit, bill payments, external transfers, and domestic wires. This simplicity is one of the benefits of banking with a credit union rather than a large national bank.

How do I receive international wire transfers to my BECU account?BECU does not have its own SWIFT code. International wires route through Wells Fargo Bank as an intermediary using SWIFT code WFBIUS6S. The sender should provide Wells Fargo's information as the intermediary bank, then include your BECU routing number (325081403) and account details as the final beneficiary. Contact BECU member services at 1-800-233-2328 for complete incoming international wire instructions.

What are BECU's wire transfer fees and cutoff times?BECU charges $25 for outgoing domestic wires and $35 for international wires. Business members using online banking pay only $20 for domestic wires. Incoming wires are free. For same-day processing, domestic and international wire requests must be submitted by 1:00 PM Pacific Time Monday through Friday. Domestic wires requested between 1:00 PM and 4:00 PM will process the next business day.

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