Eastman Credit Union Routing Number

Frequently Asked Questions About Eastman Credit Union Routing Numbers

Why does Eastman Credit Union only have one routing number?

Eastman Credit Union has maintained a single routing number (264279350) since its establishment in 1934. Unlike many large banks that have multiple routing numbers due to mergers and acquisitions of regional banks, Eastman Credit Union grew organically from serving Tennessee Eastman Chemical Company employees to becoming the largest credit union in Tennessee. This single routing number structure simplifies banking for all members across Tennessee, Virginia, and Texas.

Can I use the same routing number if I move from Tennessee to Texas or Virginia?

Yes, absolutely. Since Eastman Credit Union uses one routing number for all members regardless of location, your routing number remains 264279350 even if you move between states within their service area. You won't need to update direct deposits, automatic payments, or inform anyone of a routing number change when relocating.

Does Eastman Credit Union have a SWIFT code for international transfers?

No, Eastman Credit Union does not participate in the SWIFT network and does not have a SWIFT code. Like most U.S. credit unions, ECU only processes domestic transfers. If you need to receive an international wire transfer, the sender's bank must use an intermediary correspondent bank in the United States that will then transfer the funds domestically to your Eastman Credit Union account using routing number 264279350.

How do I verify my routing number is correct before setting up direct deposit?

The safest way to verify your routing number is to check the bottom left corner of any check from your Eastman Credit Union account, where you'll see 264279350. You can also log into ECU Online, use the mobile app, or call Member Contact Center at 1-800-999-2328. For important transactions like payroll direct deposit, many people also request their employer's HR department verify the routing number directly with the credit union.

What's the difference between ACH and wire transfers at Eastman Credit Union?

Eastman Credit Union uses the same routing number (264279350) for both ACH and wire transfers, but the transaction types differ significantly. ACH transfers are electronic bank-to-bank transfers that typically process within 1-3 business days and are usually free. Wire transfers move funds on the same day, often within hours, but cost $10 for both incoming and outgoing domestic wires. Wire transfers are irreversible once sent, while ACH transfers can sometimes be reversed if caught quickly. For international outgoing wires, Eastman Credit Union charges $55.