Routing Number 256074974: Which Bank Is It?

Routing number 256074974 is the one and only routing number for Navy Federal Credit Union — used by every member, in every state, for every domestic transaction type.

What Bank Is Routing Number 256074974?

Is 256074974 Valid? (Checksum Verification)

Applying the ABA formula (3×d1 + 7×d2 + d3 + 3×d4 + 7×d5 + d6 + 3×d7 + 7×d8 + d9) mod 10 = 0:

Checking 256074974:
(3×2) + (7×5) + 6 + (3×0) + (7×7) + 4 + (3×9) + (7×7) + 4
= 6 + 35 + 6 + 0 + 49 + 4 + 27 + 49 + 4 = 180
180 ÷ 10 = 18 remainder 0 ✓ Valid routing number.

Federal Reserve District for 256074974

• 2560 — Federal Reserve Bank of Richmond (5th district)
• Navy Federal is headquartered in Vienna, Virginia — within the Richmond Fed district, which covers the Mid-Atlantic region

What Is Routing Number 256074974 Used For?

• Direct deposit: Military pay (myPay), VA benefits, civilian payroll — provide 256074974 + your Navy Federal account number
• ACH transfers: Bill payments, recurring transfers, electronic debits
• Paper checks: Printed at the bottom-left of every Navy Federal check
• Domestic wire transfers: Same number used for Fedwire

Setting Up Military Pay Direct Deposit to Navy Federal

Via myPay (the official military pay system):

1. Log in to mypay.dfas.mil
2. Select "Financial Allotments" or "Direct Deposit"
3. Enter routing number: 256074974
4. Enter your Navy Federal account number (found in the app or on a check)
5. Select account type: Checking or Savings

Navy Federal typically posts military pay 1 day before the official pay date.

Navy Federal vs. USAA: Routing Numbers Side by Side

Last verified: March 2026. Also see: Full Navy Federal routing number guide · USAA routing number 314074269 · Complete routing number guide.