About routing number 221278488
Routing number 221278488 is registered to RARITAN BAY FCU in the Federal Reserve's FedACH Participant Directory, the official source for ABA routing data in the United States. The institution uses this number to identify itself in electronic transactions including direct deposit, ACH transfers, electronic bill pay, and most domestic wire transfers. The number is the same one printed on the bottom-left of every check issued by the credit union.
Office of record
The office associated with this routing number is located at 491 RARITAN STREET, SAYREVILLE, NJ 08872, and can be reached by phone at (732) 727-3500. This is the address the credit union provided to the Federal Reserve when registering the routing number; it may or may not be the address you receive mail at as a member, since many credit unions process mail centrally.
Using this routing number
For direct deposit, give your employer routing number 221278488 together with your account number from RARITAN BAY FCU. Most payroll providers accept these numbers through an online portal or via a paper authorization form.
For ACH transfers from another bank or brokerage, enter 221278488 as the routing number and your RARITAN BAY FCU account number as the destination account. Most ACH transfers settle within 1–3 business days; same-day ACH is available for some transactions through the FedNow and Same Day ACH services.
For domestic wire transfers, the sending bank uses 221278488 to direct funds to RARITAN BAY FCU. Most credit unions use the same routing number for ACH and wires, but a few use a separate wire number — if your wire is rejected, contact RARITAN BAY FCU to confirm.
For international wires coming into RARITAN BAY FCU, you will need a SWIFT/BIC code in addition to the routing number. Many smaller credit unions do not have their own SWIFT code and instead route international wires through a correspondent bank — contact the credit union for international wire instructions specific to your situation.
How to verify
You can verify routing number 221278488 independently by looking at the bottom-left of any check issued by RARITAN BAY FCU, signing in to your member online banking dashboard, or calling the credit union directly. The number is also discoverable in the Federal Reserve's free FedACH Participant Lookup tool. RoutingHub is an independent reference; we publish this information from public Federal Reserve data and are not affiliated with RARITAN BAY FCU.