BOWATER EMPLOYEES CREDIT UNION Routing Number 264278513 — CALHOUN, TN

About Routing Number 264278513 — BOWATER EMPLOYEES CREDIT UNION

Routing number 264278513 is the official 9-digit ABA routing number registered to BOWATER EMPLOYEES CREDIT UNION at 454 HIGHWAY 163, CALHOUN, TN 37309. It is registered with the American Bankers Association and the Federal Reserve E-Payments Routing Directory. This number is used exclusively within the US domestic payment system — for ACH transfers, direct deposits, check processing, and domestic wire transfers routed through Fedwire. It cannot be used for international transfers, which require a SWIFT/BIC code.

How to Read Routing Number 264278513

The 9-digit number 264278513 is structured in three segments: 2642 is the Federal Reserve routing symbol — the first two digits identify the Federal Reserve district and the next two identify the specific Federal Reserve processing office handling BOWATER EMPLOYEES CREDIT UNION's transactions. 7851 is the ABA institution identifier — four digits assigned by the American Bankers Association uniquely to BOWATER EMPLOYEES CREDIT UNION. 3 is the check digit — a single digit calculated from the first eight digits using a weighted sum formula (3-7-1 multipliers). Payment processing systems run this calculation in real time to catch routing number entry errors before any funds move.

ACH, Direct Deposit, and Wire — When to Use 264278513

• Direct Deposit — Payroll and Government Payments: Provide routing number 264278513 and your account number to set up payroll direct deposit, IRS tax refunds, Social Security, VA benefits, or any recurring government payment.
• ACH Transfers — Bill Payments and Bank Transfers: Enter 264278513 when authorising electronic debits or credits — utility bills, insurance premiums, subscription services, or bank-to-bank transfers via NACHA's ACH network.
• Check Payments: This routing number is printed at the bottom-left of every BOWATER EMPLOYEES CREDIT UNION personal check in CALHOUN — the first 9-digit sequence in the MICR line.
• Domestic Wire Transfers via Fedwire: Confirm with BOWATER EMPLOYEES CREDIT UNION whether 264278513 applies to wires — many banks use a separate wire routing number. Fedwire settles same-day in real time.

What 264278513 Cannot Be Used For

• International wire transfers — require a SWIFT/BIC code. Find BOWATER EMPLOYEES CREDIT UNION's SWIFT code at the SWIFT Code Lookup.
• Indian bank transfers (NEFT, RTGS, IMPS, UPI) — require an IFSC code. Use the IFSC Code Lookup.
• Cheque clearing in India — requires a MICR code. Use the MICR Code Lookup.

How to Verify Routing Number 264278513 Is Correct

Before using 264278513 for a large ACH or wire transfer, verify it three ways: (1) Check the bottom-left of a BOWATER EMPLOYEES CREDIT UNION personal check — the routing number must match. (2) Log into BOWATER EMPLOYEES CREDIT UNION online banking under Account Details. (3) Cross-check against the Federal Reserve routing directory. BankZop sources all routing data from official ABA and Federal Reserve records as of Jun 2026.

Browse more BOWATER EMPLOYEES CREDIT UNION routing numbers in TN or across all states. For all US banks, visit the Routing Number Lookup. For international transfers, use the SWIFT Code Lookup. For loan EMI planning, try the EMI Calculator.