DCU Routing Number

Complete guide to Digital Federal Credit Union routing numbers for ACH transfers, wire transfers, and direct deposit setup for members across all 50 states.

Wire Transfer (Domestic)

211391825

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Wire Transfer (International)

211391825

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ACH Transfer

211391825

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Swift Code

No SWIFT code

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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 DCU. Nickel supports secure transfers from DCU and thousands of other banks. For official DCU support, contact them directly.

DCU Routing Number for All Members

Unlike traditional banks that use different routing numbers by state, Digital Federal Credit Union uses a single routing number for all members nationwide:

Routing Number: 211391825

This routing number works for:

ACH Transfers: Direct deposits, bill payments, and electronic transfers between accounts

Wire Transfers: Domestic wire transfers to and from your DCU account

Direct Deposit: Payroll deposits, Social Security payments, and other recurring deposits

Check Processing: All checks drawn on DCU accounts

Why DCU Uses One Routing Number

As a federal credit union that operates primarily through digital channels, DCU maintains a unified routing structure. This single routing number system simplifies banking for members in all 50 states and eliminates confusion when setting up transfers or direct deposits.

Where to Find Your DCU Routing Number

Your DCU routing number appears in several places:

On Your Checks: The routing number (211391825) is the first set of nine digits at the bottom left of your checks

Digital Banking: Log in to your DCU account and view account details

Customer Service: Call 1-800-328-8797 for verification

Account Statements: Your routing number appears on monthly statements

Important Note for International Transfers

DCU does not have a SWIFT code. For incoming international wire transfers, the sending institution must route funds through an intermediary bank in the United States. Contact the sending bank for their specific intermediary routing instructions. Additional fees may apply from the intermediary bank.

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 DCU Bank Routing Number

Multiple ways to locate your DCU 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 DCU online banking and navigate to Account Details to view your routing number

Mobile App

Open the DCU 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 DCU customer service at 1-800-328-8797 for assistance finding your routing number.

Frequently Asked Questions About DCU Routing Numbers

Why does DCU only have one routing number?

DCU operates as a digitally focused federal credit union serving members nationwide through online and mobile banking. Unlike regional banks that acquired other institutions and inherited multiple routing numbers, DCU built its network with a unified digital infrastructure from the start. This single routing number (211391825) works for all members regardless of where they live or which branch they joined through.

Can I use the DCU routing number for both ACH and wire transfers?

Yes, DCU uses the same routing number (211391825) for both ACH transfers and domestic wire transfers. This simplifies the process for members setting up direct deposits, bill payments, or sending wire transfers. Just remember that wire transfers typically process faster but cost $15 for domestic transfers.

How do I receive international wire transfers without a SWIFT code?

Since DCU doesn't participate in the SWIFT network, international transfers require an intermediary bank. The sending institution will automatically route your transfer through a correspondent bank in the United States, which then forwards the funds to DCU. You only need to provide your DCU account number and routing number (211391825) along with DCU's full address: 853 Donald Lynch Boulevard, Marlborough, MA 01752. Be aware that intermediary banks may charge additional fees beyond DCU's control.

How long do ACH transfers take with DCU?

Standard ACH transfers to or from your DCU account typically take 1-3 business days to complete. Direct deposits through recurring payroll may arrive up to two days before your official payday. External transfers you initiate through DCU's online banking usually process within one business day if submitted before the daily cutoff time.

What if I accidentally used the wrong routing number for my DCU account?

If you provided an incorrect routing number for a payment or transfer, contact DCU immediately at 1-800-328-8797. The outcome depends on whether the transaction has already processed. For pending transactions, DCU may be able to stop or redirect the payment. For completed transactions sent to the wrong institution, you'll need to work with both banks to recover the funds, which can take several weeks.

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