Alabama Credit Union Routing Number

Unveiling the Alabama Credit Union Routing Number: A Key to Financial Transactions

In the world of banking, routing numbers play a crucial role in facilitating seamless financial transactions. The Alabama Credit Union (ACU), a trusted financial institution with a strong presence across the state of Alabama, also relies on a routing number to ensure that money moves securely and efficiently within and beyond its member base. In this article, we will delve into the significance of the Alabama Credit Union routing number and how it impacts your financial dealings.

What is a Routing Number?

A routing number, also known as an ABA (American Bankers Association) routing transit number, is a nine-digit code used by financial institutions in the United States. This unique identifier is instrumental in the routing of electronic funds transfers, including direct deposits, wire transfers, bill payments, and more. Every bank and credit union in the United States has a unique routing number assigned to it, helping ensure that funds reach their intended destination accurately.

The Alabama Credit Union Routing Number

The routing number for the Alabama Credit Union is an essential piece of information for anyone conducting financial transactions involving their ACU accounts. The specific routing number for ACU is 262277737. This nine-digit code is assigned to the credit union by the American Bankers Association.

Understanding the Routing Number’s Components

To grasp the routing number’s significance fully, it’s helpful to understand its components:

  1. Federal Reserve Routing Symbol (FRS): The first four digits of the routing number represent the Federal Reserve routing symbol. In the case of ACU, this portion is “2622,” indicating the Federal Reserve district where the credit union is headquartered.
  2. ABA Institution Identifier: The next four digits of the routing number identify the specific financial institution within the Federal Reserve district. In ACU’s routing number, this segment is “7773.”
  3. Check Digit: The last digit of the routing number, also known as the check digit, is used to verify the authenticity of the routing number through a mathematical formula. It helps prevent errors in electronic transactions.

Using the Alabama Credit Union Routing Number

Now that we know the ACU routing number, let’s explore how it is used:

  1. Direct Deposits: Your ACU routing number is essential for setting up direct deposits, such as your paycheck or government benefits. Providing the routing number ensures that funds are transferred to your ACU account accurately.
  2. Wire Transfers: When you need to send or receive money through a wire transfer, you’ll need to provide the ACU routing number to both send and receive funds securely.
  3. Online and Mobile Banking: ACU members can also use the routing number when setting up external accounts for transfers through online and mobile banking platforms.
  4. Bill Payments: If you want to pay bills electronically, you may need to provide the ACU routing number, along with your account number, to ensure timely and accurate payments.
  5. ACH Transactions: Businesses and individuals may use the routing number for Automated Clearing House (ACH) transactions, including electronic funds transfers and recurring payments.


The Alabama Credit Union routing number, 262277737, is not just a random set of digits; it’s a vital tool that ensures the smooth flow of money to and from your ACU accounts. Whether you’re receiving your salary, paying bills, or conducting other financial transactions, understanding and correctly using your routing number is essential. ACU’s commitment to member convenience is further exemplified by providing this critical piece of information to its members, enabling them to manage their finances with ease and confidence.