About routing number 321178475
Routing number 321178475 is registered to WATSONVILLE HOSPITAL 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 75 NIELSON STREET, WATSONVILLE, CA 95076, and can be reached by phone at (831) 724-8098. 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 321178475 together with your account number from WATSONVILLE HOSPITAL 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 321178475 as the routing number and your WATSONVILLE HOSPITAL 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 321178475 to direct funds to WATSONVILLE HOSPITAL 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 WATSONVILLE HOSPITAL FCU to confirm.
For international wires coming into WATSONVILLE HOSPITAL 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 321178475 independently by looking at the bottom-left of any check issued by WATSONVILLE HOSPITAL 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 WATSONVILLE HOSPITAL FCU.