The America First routing number is 324377516. America First Credit Union lists this nine digit ABA routing number for electronic payments, direct deposits, ACH transfers, and other eligible banking transactions.
Finding the number is only the first step. You must also enter the correct account number, select the right account type, and verify whether you are making an ACH payment, domestic wire, or international transfer.
Using incorrect banking information can result in a rejected transaction, delayed paycheck, returned bill payment, or money being sent to an unintended account. Therefore, it is important to confirm every number before submitting a financial form.
This guide explains what the America First Credit Union routing number means, where to find it, how to use it, and what information you may need for different types of transactions.
Quick answer The official America First Credit Union routing and transit number is 324377516, according to the credit unions official routing number page. America First Credit Union
Quick Summary Table
| Banking detail | Information |
| Financial institution | America First Credit Union |
| America First routing number | 324377516 |
| Number of digits | Nine |
| Direct deposit | Routing number plus 12 digit ACH account number |
| Electronic ACH transfer | Routing number plus 12 digit ACH account number |
| Incoming domestic wire | Routing number plus wire specific beneficiary details |
| International wire | Requires an intermediary U.S. financial institution |
| SWIFT code | America First says it does not have its own SWIFT code |
| Best verification source | Official America First website or secure online banking |
| Important warning | Never confuse your membership number with an ACH account number |
Banking instructions and fees can change. Verify the latest information through America First Credit Union before initiating a high value or time sensitive transaction.
What Is the America First Routing Number?
America First Credit Unions official routing number is
324377516
A routing number is a nine digit code used to identify a U.S. financial institution. It may also be called an
- ABA routing number
- Routing transit number
- RTN
- Bank routing number
- ACH routing number
The routing number directs a transaction to the correct financial institution. Your account number then tells the institution which checking, savings, money market, loan, or other eligible account should receive the payment.
America First compares a routing number to a road that leads to the financial institution, while the account number works like a specific house address. Both pieces of information are generally required for an electronic deposit. America First routing number information
Is This Number for America First Credit Union or America First Bank?
The routing number 324377516 belongs to America First Credit Union. Readers sometimes search for America First Bank routing number, even when they actually mean the credit union.
This distinction matters. Financial institutions with similar names do not necessarily use the same routing number, account format, or payment instructions.
Before using the number, confirm that your account documents, debit card, check, online banking portal, or mobile application identifies your institution as America First Credit Union.
Do not confuse America First Credit Union with
- Armed Forces Bank
- Bank of America
- Americas First Federal Credit Union
- First American Bank
- FirstBank
- Other institutions containing America or First in their names
A routing number should never be selected only because a financial institution has a similar name. Verify the institutions full legal name and official website before submitting a payment.
What Does the America First Routing Number Do?
The America First routing number identifies the credit union within a U.S. payment network. It helps another institution determine where an electronic payment, check, direct deposit, or eligible transfer should be delivered.
The routing number does not identify your individual account. Many America First members use the same routing number, but each eligible account has its own account number.
You may need the routing number when
- Enrolling in payroll direct deposit
- Receiving government benefit payments
- Requesting direct deposit of a tax refund
- Linking an external bank account
- Paying bills from an America First account
- Setting up automatic loan or insurance payments
- Transferring money through the ACH network
- Receiving a domestic wire transfer
- Processing a paper check
- Establishing recurring electronic withdrawals
The precise account information required can differ by transaction type. A direct deposit may require a 12 digit ACH number, while an incoming wire may use different beneficiary account instructions.
How the America First Routing Number Works
Suppose your employer needs to deposit your salary into your America First checking account. The payroll form will normally request
- Name of the financial institution
- Routing number
- Account number
- Account holders name
- Account type, such as checking or savings
You would enter America First Credit Union as the institution and 324377516 as the routing number. You would then enter the correct 12 digit direct deposit and electronic payment number associated with the account.
The routing number sends the payment toward America First. The 12 digit ACH account number directs the money to your specific account.
The names on the external transfer request should match America Firsts account records. America First warns that an external transfer may be rejected if the names do not match. This can happen after a legal name change, a spelling error, or an attempt to connect an account owned by someone else.
America First Routing Number for Direct Deposit
You can use routing number 324377516 when setting up eligible direct deposits with America First Credit Union.
However, the routing number is not enough by itself. America First says members also need the 12 digit direct deposit and electronic payment number, sometimes referred to as the ACH account number.
You may need to provide
- America First Credit Union
- Routing number 324377516
- Your 12 digit ACH account number
- Your name as it appears on the account
- Checking or savings account type
America First explains that members can find the 12 digit number by signing in to online banking, selecting the appropriate checking or savings account, and revealing the number beside Direct Deposit & Electronic Payment Number (ACH). America First direct deposit instructions
Do not automatically enter your membership number, debit card number, or a shortened account number. Use the specific number shown for direct deposits and electronic payments.
Step by Step Guide to Setting Up Direct Deposit
Sign in securely
Open the official America First mobile application or type the institutions official website address into your browser. Avoid signing in through links received in unexpected emails, advertisements, or text messages.
Select the receiving account
Choose the checking or savings account where you want your money deposited. Members may have different account numbers for separate savings, checking, and loan accounts.
Reveal the ACH account number
Open the account details and look for the direct deposit and electronic payment number. America First describes this as a 12 digit number.
Record the routing number
Enter 324377516 as the America First routing number.
Choose the correct account type
Select checking or savings according to the account you opened. Choosing the wrong account type can cause a payment to be delayed or returned.
Confirm the account holders name
Use the name displayed in your America First account records. This is particularly important when linking an external account.
Review the form
Check every digit before submitting the direct deposit request. A single incorrect number can prevent the payment from reaching your account.
Monitor the first payment
Confirm that the first deposit appears correctly. Keep your previous payment method active until you know that the new direct deposit arrangement is working.
America First Routing Number for ACH Transfers
The Automated Clearing House network processes many electronic bank to bank payments, including direct deposits, recurring payments, and account transfers.
For an eligible ACH transaction involving America First, you will generally need
- Routing number 324377516
- The 12 digit ACH account number
- Correct account type
- Account holders matching name
- Authorization for the transaction
According to America Firsts electronic deposits and withdrawals guidance, transfers between America First and another financial institution require its routing number and the members 12 digit direct deposit and electronic payment number. America First electronic transfer instructions
Processing times, transaction limits, holds, and fees may depend on the service and the financial institutions involved. Review current terms before initiating a transfer.
America First Routing Number for Wire Transfers
America First lists 324377516 as its routing or ABA number for receiving domestic wire transfers. However, wire instructions differ from ordinary ACH instructions.
For an incoming domestic wire, America First says the sender may need
- Destination institution America First Credit Union
- RoutingABA number 324377516
- Institution address
- Members name exactly as listed on the account
- Beneficiary account number
- Account type
America Firsts wire transfer instructions currently list the destination address as
P.O. Box 9199
Ogden, UT 84409
The credit unions official wire page states that the beneficiary account number used for receiving wires may be eight digits or fewer. That is different from the 12 digit ACH account number used for electronic deposits and withdrawals. America First wire transfer guidance
This difference is important. Do not assume that your ACH account number and wire beneficiary number should be entered in the same format.
Contact America First directly if you are uncertain about which account number to use.
What About International Wire Transfers?
America First states that it does not directly receive international wire transfers and does not have its own SWIFT code. A foreign financial institution must use its own U.S. intermediary bank to move the funds into the United States.
An international sender may need
- Senders intermediary bank information
- America First routing number
- America First institutional details
- Beneficiarys name
- Beneficiary account number
- Transfer purpose
- Currency and conversion information
International wires can involve intermediary fees, currency conversion charges, compliance reviews, and longer processing periods. Instructions may vary depending on the originating country and financial institution.
Ask both the foreign sending bank and America First to confirm the complete instructions before sending an international wire.
Does America First Use the Same Routing Number in Every State?
America First Credit Union publishes 324377516 as its routing number without providing separate consumer routing numbers by state on its official routing page.
That makes the process simpler for members who may have opened an account in Utah, Nevada, Arizona, Idaho, or another service area. However, you should still confirm the number if you have an unusual account type, an old account, or transaction specific instructions.
Banks sometimes use different routing numbers by state because of mergers or regional processing systems. America Firsts current official information does not direct ordinary members to choose from a state based routing number list.
Where Can You Find the Routing Number?
America Firsts official website
The official website displays routing number 324377516 on its dedicated routing page and in the footer of many account pages.
Online banking
Your account details may display both the institutions routing number and the ACH number associated with a selected account.
Mobile banking application
The official mobile application can provide account specific information after you sign in securely.
Paper checks
The routing number normally appears as the first nine digit group at the bottom left of a check. Your account and check numbers usually appear after it.
Check layouts can vary, so verify the number before using it for an important transaction.
Direct deposit form
An official direct deposit enrollment document may display the routing number and account specific ACH information.
Member support
If you cannot access online banking, contact America First through the verified phone number on its official website or visit a branch. America First also advises members who cannot access their account number to call 1 800 999 3961 or visit a branch. America First account number help
Routing Number vs. Account Number
The routing number and account number work together, but they are not interchangeable.
| Number | What it identifies | Is it shared? |
| Routing number | America First Credit Union | Shared by many members |
| ACH account number | A specific eligible account | Unique to the account |
| Member number | Your membership relationship | Personal to the member |
| Debit card number | Your physical or digital card | Unique to the card |
| Check number | A particular paper check | Unique within a check sequence |
America First says members may have different numbers for their savings accounts, checking accounts, and loans. Always select the number for the account actually receiving or sending the money.
Benefits and Risks
Benefits
Using the correct routing and account information can make banking more convenient. It allows members to
- Receive salaries electronically
- Get eligible government payments faster
- Link external accounts
- Automate recurring payments
- Transfer money without mailing checks
- Receive eligible domestic wires
- Reduce dependence on paper transactions
Electronic payments also create a transaction record that can make budgeting and account monitoring easier.
Risks
Routing numbers are widely used and are not treated like passwords. However, your routing number combined with your account number, name, address, and other personal information can be sensitive.
Potential risks include
- Unauthorized electronic withdrawals
- Fraudulent checks
- Account linking attempts
- Phishing scams
- Payments sent to the wrong account
- Rejected or delayed transfers
- Exposure of personal details through check images
Never provide your banking password, debit card PIN, or one time verification code to someone who only needs routing and account information.
Fees and Processing Times
Using a routing number does not automatically create a fee. Charges depend on the transaction type and service involved.
Direct deposits are generally handled differently from outgoing wires, incoming wires, same day transfers, or international transactions. External financial institutions and intermediary banks may also impose their own fees.
America Firsts current wire transfer document indicates a $10 fee for incoming wires, but fees and policies can change. Confirm the latest fee schedule before arranging a transfer, especially if the amount is large or multiple intermediary institutions are involved. America First wire instructions
ACH transactions may take one or more business days depending on processing schedules, weekends, holidays, verification requirements, and the institutions involved. Do not promise funds to another party until the transaction has been completed and credited.
Common Mistakes to Avoid
Using a similar institutions routing number
America First may be confused with institutions having similar names. Confirm that your account is actually held at America First Credit Union.
Entering the member number
Your membership number may not be the correct number for direct deposits or electronic payments. Use the 12 digit ACH number displayed for the selected account.
Using ACH instructions for a wire
Wire transfers can require a shorter beneficiary account number and additional institution details. Follow wire specific instructions.
Confusing a debit card number with an account number
The long number on a debit card identifies the card, not the underlying checking or savings account.
Selecting the wrong account type
Marking a savings account as checking, or the reverse, may cause a transaction to fail.
Making a typographical error
Review all nine routing number digits and every digit of your account number. Copying and pasting can reduce typing mistakes, but you must still check the final form.
Sharing a check image
A check can reveal your name, address, routing number, account number, and signature. Do not post checks publicly or send images through unsecured channels.
Ignoring name mismatches
External transfers may be rejected if account ownership details do not match. Use your full legal name as it appears in America Firsts records.
Expert Safety Tips
- Use the official America First website or mobile app.
- Confirm the transaction type before entering banking information.
- Use the 12 digit ACH number for direct deposit when instructed.
- Request wire specific information for incoming wires.
- Verify all details verbally for large transfers.
- Call a trusted phone number rather than one in an unexpected message.
- Enable account and transaction alerts.
- Review statements regularly for unfamiliar activity.
- Report unauthorized transactions promptly.
- Never share online banking credentials.
- Be cautious of urgent requests for bank details.
- Keep paper checks in a secure location.
If someone contacts you claiming that you must provide banking credentials to receive a payment, independently verify the request before responding.
Latest America First Routing Number Update
As of July 2026, America First Credit Unions official website continues to list 324377516 as its routing and transit number. The same number is listed for direct deposits, eligible electronic payments, and incoming wire instructions.
America First currently instructs members to use a 12 digit direct deposit and electronic payment number for ACH transactions. Incoming wires may require a different beneficiary account format, and international wires require an intermediary bank because America First says it does not directly receive international wires.
Routing information, fees, addresses, and transfer procedures can change after system updates, mergers, or policy revisions. Verify the latest information directly with America First before initiating a high value, urgent, or international transaction.
Conclusion
The official America First routing number is 324377516. You can use it for eligible direct deposits, ACH transfers, electronic payments, and incoming domestic wires involving America First Credit Union.
The correct account number format depends on the transaction. Direct deposits and ACH payments generally require your 12 digit ACH number, while wire transfers may require different beneficiary details.
Always verify the institutions full name, account number, account type, and transaction instructions before sending money. Taking a minute to review the details can prevent delays, returned payments, and costly transfer errors.
FAQs
What is the America First routing number?
The America First Credit Union routing number is 324377516. The credit union publishes this number for eligible electronic payments, direct deposits, ACH transfers, and incoming wires.
Does America First have different routing numbers by state?
America First currently publishes one routing number, 324377516, rather than a list of different routing numbers by state. Verify it through official banking records before initiating a transaction.
Can I use the America First routing number for direct deposit?
Yes. America First lists routing number 324377516 for direct deposits. You will also need the 12 digit direct deposit and electronic payment number for your specific checking or savings account.
Is the America First routing number the same for wire transfers?
America First lists 324377516 for incoming domestic wires. However, the beneficiary account number format and other wire instructions may differ from ACH requirements.
Where can I find my America First account number?
Sign in to official online banking, select the relevant account, and reveal the number shown beside Direct Deposit & Electronic Payment Number (ACH). You can also contact America First or visit a branch.
Does America First have a SWIFT code?
America First states that it does not have its own SWIFT code and does not directly receive international wires. The foreign sending institution must use its own U.S. intermediary bank.
Is it safe to share the America First routing number?
The routing number identifies America First and is publicly available. However, your routing number combined with your account number and personal information is sensitive. Only provide complete banking details to verified parties for authorized transactions.
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