BECU Routing Number 2026: 325081403 — Complete Guide

In this post, I'll show you exactly how to use your BECU routing number, when to use it, and what to do for international wire transfers — where things work a little differently.

I'm Drashco — a fintech professional with 15+ years in payment processing. Let's dive in.

BECU Routing Number: Complete Table

What Is a Routing Number, and Why Does BECU Have Just One?

Here's the thing that confuses a lot of people: big banks like Chase and Wells Fargo have different routing numbers for different states. BECU doesn't.

BECU — Boeing Employees' Credit Union — operates with a single routing number nationwide: 325081403. Whether you opened your account in Seattle or Spokane, whether you're setting up direct deposit in Washington or anywhere else in the U.S., the number is the same.

Your routing number is a 9-digit code assigned by the American Bankers Association (ABA). Think of it as your bank's address in the U.S. financial system. Here's what those 9 digits actually mean:

• Digits 1–4 (3250): Federal Reserve Routing Symbol — identifies the Federal Reserve district (BECU is in the 12th district: Seattle)
• Digits 5–8 (8140): ABA Institution Identifier — unique to BECU
• Digit 9 (3): Check digit — mathematically validates the entire number to catch typos

How to Find Your BECU Routing Number (4 Ways)

You don't need to go to a branch. Here are your four fastest options:

1. On a BECU paper check. The routing number (325081403) is the first set of 9 digits in the lower-left corner, printed in magnetic ink. The number after it is your account number.
2. In BECU online banking. Go to becu.org → log in → select your account → look under "Account Details."
3. In the BECU mobile app. Open the app → tap your account → tap "Show account details."
4. Call BECU. Member support: 800-233-2328. They can confirm the routing number in under a minute.

BECU Routing Number for Direct Deposit

Setting up direct deposit for your paycheck, Social Security, or tax refund? You need two things:

• Routing number: 325081403
• Your BECU account number (10 digits, found in online banking or on a check)

Give both to your employer's payroll department or enter them on the IRS direct deposit form. BECU members often see early direct deposit — funds arriving up to 2 days before the official pay date.

BECU Routing Number for Wire Transfers

Domestic wires use the same routing number: 325081403. You'll also need BECU's address:

BECU
12770 Gateway Drive
Tukwila, WA 98168

BECU SWIFT Code — International Wire Transfers

Here's the truth: BECU doesn't have its own SWIFT code. For international incoming wires, BECU uses Wells Fargo as an intermediary bank. Give the sender this complete information:

• Intermediary bank SWIFT code: WFBIUS6S (Wells Fargo, San Francisco)
• Beneficiary ABA: //FW325081403
• Beneficiary name: Your full name (as on your BECU account)
• Beneficiary address: Your home address
• Your BECU account number: Your 10-digit account number

Always verify wire instructions directly with BECU at 800-233-2328 before sending an international wire.

BECU ABA Number vs. ACH Routing Number — Same Thing?

Yes. For BECU, the ABA routing number and the ACH routing number are identical: 325081403. Some large banks use different numbers for ACH vs. wire transactions — BECU keeps it simple with one number for everything domestic.

BECU Business Routing Number

Running a business through BECU? Same routing number: 325081403. Business and personal accounts at BECU share the same routing number. You'll still need your specific business account number when setting up payments.

BECU Routing Number by State

Doesn't matter which state you're in — BECU uses one routing number nationwide. Here are the most-searched state variants, all the same answer:

FAQ: BECU Routing Number

What is BECU's routing number?

BECU's routing number is 325081403. This single number is used for all states, all account types, and all domestic transaction types including ACH, direct deposit, checks, and wire transfers.

Is the BECU routing number the same for all states?

Yes. BECU uses one routing number nationwide: 325081403. Unlike major banks with state-specific routing numbers, BECU's single number covers all U.S. states.

What is the BECU SWIFT code for international transfers?

BECU does not have its own SWIFT code. For international incoming wires, use Wells Fargo's SWIFT code (WFBIUS6S) as the intermediary bank, with BECU's ABA reference //FW325081403 as the beneficiary bank. Confirm with BECU at 800-233-2328 before any international transfer.

What is the BECU IBAN number?

BECU does not use IBAN numbers. IBAN is a European standard not used by U.S. banks. For international wires to BECU, use the Wells Fargo intermediary SWIFT process described above.

What is BECU's routing number for direct deposit from my employer?

Use routing number 325081403 and your 10-digit BECU account number. Provide both to your employer's payroll department. BECU members typically receive early direct deposit up to 2 days before the official pay date.

What is BECU's ABA number?

BECU's ABA number is 325081403 — same as the routing number. ABA number and routing number refer to the same 9-digit code.

What is the BECU bank identification code (BIC)?

BECU does not have a BIC/SWIFT code. BIC and SWIFT code are the same thing — BECU uses Wells Fargo (SWIFT: WFBIUS6S) as an intermediary for international wires.

Last verified: March 2026. Routing numbers rarely change, but always confirm with BECU directly at 800-233-2328 for high-value wire transfers. Also see: Complete routing number guide.