What is a routing number?

A routing number (also called an ABA routing number or RTN) is a nine-digit code that identifies a U.S. financial institution. It's used to route ACH transfers, direct deposits, wire transfers, and check payments to the correct bank.

Where do I find my routing number?

Your routing number is printed in the bottom-left corner of every check, listed in your online banking app under account details, and printed on monthly statements. Many banks also use a different routing number for wire transfers — always confirm which one you need.

Is the routing number the same for everyone at the same bank?

Often it varies by the state where you opened your account. Large banks like Chase and Wells Fargo use 30+ different routing numbers across the U.S., while online banks and fintechs typically use one number nationwide.

Can I receive crypto with a routing number?

No. Routing numbers move U.S. dollars between bank accounts. To receive crypto, you need a wallet address. Anytime Capital gives you both an FDIC-insured cash account (with a routing and account number) and a crypto wallet — so you can move money in either form, instantly.

PenFed Credit Union Routing Number

Updated August 2026

Routing number

256078446

PenFed Credit Union is a U.S. financial institution. Detailed routing-by-state coverage, fee schedule, and FAQ for PenFed Credit Union are being expanded — for now, your routing number is 256078446.

PenFed Credit Union wire transfer fees

Type	Fee
Domestic wire (outgoing)	$25–$35
Domestic wire (incoming)	$15
International wire (outgoing)	$45–$50
International wire (incoming)	$15

Fees subject to change. Confirm the latest schedule on PenFed Credit Union's website before sending.

How to find your PenFed Credit Union routing number

Your routing number is the 9-digit code in the bottom-left of every check. Your account number sits to the right of it.

• Look at the bottom-left of any check from PenFed Credit Union — the 9-digit number on the left.
• Log in to PenFed Credit Union's mobile app or online banking and open the account details screen.
• Check the top of any monthly statement.
• Call PenFed Credit Union customer service — but never share the number plus your full account details with anyone you don't trust.

Also asked about PenFed Credit Union

Does PenFed Credit Union allow crypto purchases?

Yes. PenFed Credit Union debit cards, ACH transfers and wires all work for buying crypto at Anytime Capital, a licensed US money services business. PenFed Credit Union credit cards are accepted here too. PenFed Credit Union publishes no blanket block, but whether a given credit purchase authorizes is its call, so debit is the reliable route.

Debit card
Credit card
ACH transfer
Wire transfer

PenFed Credit Union crypto card, wire & ACH policy

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Frequently asked questions

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