RBFCU Routing Number

Frequently Asked Questions About RBFCU Routing Numbers

Why does RBFCU use only one routing number?

As a credit union rather than a multi-state commercial bank, RBFCU maintains a simplified routing structure with a single routing number for all members. Founded in 1952 to serve Randolph Air Force Base employees, RBFCU has grown to over 1 million members across Texas while maintaining this straightforward approach. This single routing number (314089681) works for all transaction types - ACH transfers, wire transfers, and direct deposits - regardless of which branch you use or where in Texas you opened your account.

Can I use RBFCU's routing number for both ACH and wire transfers?

Yes, RBFCU uses the same routing number (314089681) for both ACH transfers and domestic wire transfers. This is different from many large banks that maintain separate routing numbers for different transaction types. Whether you're setting up direct deposit, initiating an ACH payment, or sending a domestic wire transfer, you'll use 314089681. However, wire transfers typically incur fees while many ACH transfers are free for RBFCU members.

How do I receive international wire transfers at RBFCU?

RBFCU does not have a SWIFT code, so international wire transfers require an extra step through a correspondent bank. The sender's international bank must first wire funds to their U.S. correspondent bank, which then forwards the funds to RBFCU using the domestic routing number 314089681. You'll need to provide the sender with your RBFCU routing number, your complete account number, your full name as it appears on the account, and RBFCU's full name (Randolph-Brooks Federal Credit Union). The sender should contact their bank to identify the appropriate U.S. correspondent bank for this transfer.

What fees does RBFCU charge for wire transfers?

RBFCU charges fees for outgoing wire transfers, which you can find on their official fee schedule at rbfcu.org. Incoming domestic wire transfers may also have associated fees. For businesses making regular B2B payments, these wire transfer fees can add up quickly. Consider using free ACH transfers through Nickel instead - you'll get the same reliability and security without the per-transaction fees that traditional wire transfers require.

How long do ACH transfers take at RBFCU?

Standard ACH transfers at RBFCU typically process within 1-3 business days, depending on whether you're sending or receiving funds and when you initiate the transfer. RBFCU offers early direct deposit for members, allowing you to access your paycheck up to two days early when your employer sends funds via ACH. Same-day ACH is available for certain transactions if initiated before the daily cutoff time. For time-sensitive business payments, Nickel offers free ACH transfers that process reliably while helping you avoid expensive wire transfer fees.