Frequently Asked Questions About MACU Routing Numbers
Why does MACU only have one routing number?As a credit union, MACU uses a single routing number (324377516) for all members and all transaction types. Unlike large national banks that acquired regional institutions and maintained separate routing numbers, credit unions typically operate with one routing number across their entire membership base. This simplifies banking for members who don't need to remember different numbers for wires versus ACH transfers.
Can I use the MACU routing number if I opened my account at any branch?Yes. All MACU members use the same routing number (324377516) regardless of which branch they joined at or where they currently live. This applies whether you opened your account in Salt Lake City, Provo, Ogden, or St. George.
What's the difference between ACH and wire routing numbers at MACU?There is no difference. MACU uses routing number 324377516 for both ACH transfers and wire transfers. You can use this same number for direct deposit, bill payments, external transfers, and domestic wires.
How do I receive international wire transfers to my MACU account?MACU does not have a SWIFT code since it's a domestic credit union. To receive international wires, you'll need to contact MACU member services at 1-800-453-8188 for specific instructions. International wires typically route through a correspondent bank before reaching your MACU account.
Can I use the MACU routing number for same-day transfers?The MACU routing number works for standard ACH transfers, which typically process in 1-2 business days. For same-day wire transfers, use the same routing number (324377516) but specify it as a wire transfer. Wire transfer fees apply and same-day wires must be initiated before MACU's cutoff time, usually early afternoon Mountain Time.
