Patelco routing number is 321076470, used for ACH transfers, direct deposit, and domestic wires. This nine-digit ABA number identifies Patelco Credit Union to other financial institutions and is the same for every member, no matter which branch opened the account. Pair it with your own account number to move money in or out.
The Patelco credit union routing number appears on every paper check and is listed inside online banking. Because the routing number and the account number do different jobs, it helps to know which one a form is asking for before you enter it. The table below shows when 321076470 applies and where each supporting detail comes from.
When to use this routing number
| Use | Number / detail |
|---|---|
| ACH transfer & direct deposit | Routing number 321076470 + your account number |
| Automatic bill payments (ACH debit) | Routing number 321076470 + account number |
| Domestic wire transfer | Routing number 321076470 + member name, address, and account number |
| Your account number | Unique to you — found in online banking or on a check, not the routing number |
| International wire | Confirm SWIFT/intermediary details with member support at 800.358.8228 |
Routing details are current as published; verify current transfer instructions at patelco.org before sending funds.
Where to find your routing number
If you are setting up a payment and want to confirm the number yourself, here are five reliable places to locate it, in the order most members find easiest:
- Bottom-left of a paper check: the first nine digits printed along the bottom edge are the routing number, 321076470.
- Patelco online banking: sign in and open account details or the direct deposit section, where the routing and account numbers are listed together.
- The Patelco mobile app: tap into the account, then look for account and routing details or a pre-filled direct deposit form.
- A monthly account statement: routing and account identifiers are shown near the top of most statements.
- Member support: call 800.358.8228 to confirm the number by phone after verifying your identity.
Wire vs. ACH: both use routing number 321076470, but they are not the same service. ACH transfers — including direct deposit and most bill payments — are free or low-cost and settle in one to a few business days. Domestic wires move funds the same business day, may carry a fee, and often require extra details such as the recipient's full name and address. When a form specifically says "wire," ask Patelco for its current wire instructions rather than assuming the ACH setup will work.
Routing number vs. account number
These two numbers are easy to mix up. The routing number, 321076470, is a public identifier for the whole credit union and never changes. Your account number is private, unique to you, and should be shared only with parties you trust to deposit or debit funds. A direct deposit form almost always needs both — the routing number tells the sending bank which institution to reach, and the account number tells Patelco which member to credit. For a full walkthrough of finding these inside your dashboard, see the Patelco online banking guide, and if you are signing in for the first time, start with the Patelco login steps.
Members who need help confirming transfer details, disputing a payment, or reporting a problem can reach a representative through the Patelco customer service page, which lists phone options and hours. If you are weighing whether to trust the credit union with recurring transfers, the is Patelco safe review covers NCUA insurance and account protections.
Keeping a note of the Patelco routing number and your account number in a secure place makes future setups faster — for direct deposit enrollment, a recurring ACH payment, or a one-time domestic wire. If a payment is ever rejected, first check that 321076470 was entered with no spaces or extra digits and that the account number matches the one shown in your dashboard. When the numbers look correct but a transfer still fails, a quick call to member support usually clears up whether the sender expected an ACH or a wire.
Common questions
What bank has routing number 321076470?
Routing number 321076470 belongs to Patelco Credit Union, a member-owned, not-for-profit credit union headquartered in Northern California and founded in 1936. Credit unions use ABA routing numbers the same way banks do, so this single number covers the whole institution.
Is the Patelco routing number the same as my account number?
No. The 321076470 routing number identifies the credit union and is identical for every member, while your account number identifies your specific account and is unique to you. Most transfers require both numbers together.
Which routing number do I use for direct deposit?
Use 321076470 for direct deposit and other ACH transactions, along with your full account number. Give both to your employer or payer on their direct deposit enrollment form.
What do I need for a wire transfer to Patelco?
Domestic wires also use routing number 321076470, but may require the receiving member's full name, address, and account number. Confirm current wire instructions with member support at 800.358.8228 before sending money.