PFFCU Routing Number

Your complete guide to PFFCU routing numbers for ACH transfers, wire transfers, and direct deposit setup across Pennsylvania, New Jersey, and Delaware.

Wire Transfer (Domestic)

236084285

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Wire Transfer (International)

236084285

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ACH Transfer

236084285

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

PFFCU Routing Number

PFFCU (Police and Fire Federal Credit Union) uses a single routing number for all members across all states where they operate. Whether you opened your account in Philadelphia, Bucks County, South Jersey, or Delaware, you'll use the same routing number for all transactions.

Primary Routing Number: 236084285

Use this number for:

- ACH transfers

- Direct deposits

- Wire transfers (domestic)

- Bill payments

- External account links

- Mobile check deposits

- All transaction types

Service Areas:

PFFCU serves members across the Greater Philadelphia region and tri-state area with branches throughout:

Pennsylvania:

- Philadelphia (multiple locations including Main Office at 901 Arch Street)

- Bucks County (Bensalem)

- Delaware County (Springfield)

- Montgomery County (Philadelphia suburbs)

New Jersey:

- Camden County (Maple Shade, Moorestown Mall)

- Gloucester County (Washington Township, Turnersville)

- Southern New Jersey communities

Delaware:

- All Delaware residents eligible through American Consumer Council membership

Additional Eligibility:

- Active or retired Philadelphia police officers and firefighters

- Employees of US Secret Service (Department of Treasury)

- Over 400 Select Employer Groups

- All residents of Pennsylvania, New Jersey, or Delaware through American Consumer Council membership

Note: As a credit union, PFFCU uses one routing number for all members and all transaction types across its entire service area. This makes banking simpler than at 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 PFFCU Bank Routing Number

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

Mobile App

Open the PFFCU 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 PFFCU customer service at 1-215-931-0300 for assistance finding your routing number.

Frequently Asked Questions About PFFCU Routing Numbers

Why does PFFCU only have one routing number?PFFCU was founded in 1938 in Philadelphia to serve police officers and firefighters. As a credit union, PFFCU operates with a single routing number (236084285) for all members across Pennsylvania, New Jersey, and Delaware. Unlike large national banks that acquired regional institutions and maintained separate routing numbers, credit unions typically use one unified number. This reflects PFFCU's cooperative structure and centralized operations based in Philadelphia.

Can I use the same routing number if I opened my account in New Jersey but now live in Pennsylvania?Yes. All PFFCU members use routing number 236084285 regardless of which state or branch they opened their account in. This applies whether you joined at the Main Office in Philadelphia, a branch in Bensalem, the Moorestown Mall location, or any other PFFCU branch. The routing number follows your membership, not your location.

What's the difference between ACH and wire routing numbers at PFFCU?There is no difference. PFFCU uses routing number 236084285 for both ACH transfers and domestic wire transfers. You can use this same number for direct deposit, bill payments, external transfers, and wires. This simplicity is one of the benefits of banking with a credit union rather than a large national bank with complex routing structures.

How do I receive international wire transfers to my PFFCU account?PFFCU does not have a SWIFT code. International wires must route through an intermediary correspondent bank in the United States. The sender's international bank will need to wire funds to a US correspondent bank, which will then forward the funds domestically to PFFCU using routing number 236084285. Contact PFFCU member services at 1-215-931-0300 or 1-800-228-8801 for specific incoming international wire instructions and correspondent bank details the sender will need.

What are PFFCU's wire transfer fees and processing times?PFFCU charges a fee for outgoing wire transfers (contact member services for current rates). Incoming wires are free. Wire transfers must be processed during Federal Reserve banking hours (Monday through Friday, excluding federal holidays). Most domestic wires are completed within 24 hours when submitted before cutoff times. For specific fees and cutoff times, contact PFFCU at 1-215-931-0300 or visit your local branch.

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