About routing number 231278096
Routing number 231278096 is registered to CUMCO 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 37 WEST LANDIS AVENUE, VINELAND, NJ 08360, and can be reached by phone at (856) 696-0767. 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 231278096 together with your account number from CUMCO 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 231278096 as the routing number and your CUMCO 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 231278096 to direct funds to CUMCO 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 CUMCO FCU to confirm.
For international wires coming into CUMCO 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 231278096 independently by looking at the bottom-left of any check issued by CUMCO 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 CUMCO FCU.