Schedule An Appointment Routing/Wire Transfer Blog Locations & ATMs Contact Us Search: Submit DEPOSITS LOANS SERVICES ABOUT ACU LOG IN Routing & Wire Instructions ACU makes moving money easy! To move money into, or out of, your America’s Credit Union account electronically you’ll need to use the America's Credit Union routing number and your account number. ACU routing number: 311982435. ACH Fee: None. Incoming Wire Transfer: $5.00. Domestic Outgoing Wire Transfer: $20.00. International Outgoing Wire Transfer: $50.00. ACH vs Wire Transfers When it comes to making payments, speed matters. ACH Payment When you electronically move money to and from your accounts using the America's Credit Union routing number and your account number you're conducting a transfer known as an ACH transfer (Automated Clearing House). Moving money this way can take up to a few business days to reach its final destination. At ACU, we will make the funds that have been received in your account via ACH available to you on the date indicated by the originator. America’s Credit Union Routing (ABA) Number: 311982435 Domestic and International Wire Transfers A wire transfer moves money more quickly than the ACH method described above. Typically funds can be received in as little as a couple of hours depending on the processing speed of the institutions or entities sending and receiving the money. Because of the more efficient processing method, there is a $5.00 incoming wire fee to receive a wire transfer. Funds that have been received in your account via a wire transfer will be made available to you immediately. To send a wire transfer from your ACU account please contact us at 972-494-5328 or visit one of our branch locations. Wires greater than $10,000 will require a visit to a branch. To receive a wire transfer into your ACU account you will need Routing/Transit (ABA) number 311982435. For Credit To: Member's name and account number with suffix (so it will post in a specific account). We are not offering Western Union at this time. Review ACU's Electronic Fund Transfers Agreement and Disclosure and Funds Availability Policy and Disclosure. ALL DEPOSITS ALL LOANS ALL SERVICES ABOUT ACU Routing #311982435 Disclosures ACU Blog Contact Us Locations & ATMs Dallas, TX Garland, TX Lancaster, TX Mesquite, TX Springfield, MO ACU NMLS ID #562279 Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency Privacy Policy Site Map America’s Credit Union will NOT ask you to update your information through an e-mailed link or a cell phone text message. Should you receive an e-mail or text message allegedly from America’s Credit Union requesting such an update, please contact us immediately. The ACU website features a number of links to entities associated with ACU and/or the credit union industry. By accessing any of these links, you will be leaving the ACU site and entering a site hosted by another party. For your protection, we encourage you to read the privacy and security policies of the sites you enter, as these policies may be different from those of ACU. America's Credit Union is committed to serving all persons within its field of membership, including those with disabilities. We strive to make not only our physical branches accessible but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our branches or website, please call us at 972-494-5328 or 800-543-2811 so that we may promptly assist you and remedy any accessibility concerns. © America’s Credit Union 2021 All Rights Reserved.