FIRST CENTRAL CREDIT UNION Routing Number 311990045 — WACO, TX

About Routing Number 311990045 — FIRST CENTRAL CREDIT UNION

Routing number 311990045 is the official 9-digit ABA routing number registered to FIRST CENTRAL CREDIT UNION at P O BOX 21809, WACO, TX 76702-1809. 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 311990045

The 9-digit number 311990045 is structured in three segments: 3119 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 FIRST CENTRAL CREDIT UNION's transactions. 9004 is the ABA institution identifier — four digits assigned by the American Bankers Association uniquely to FIRST CENTRAL CREDIT UNION. 5 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 311990045

• Direct Deposit — Payroll and Government Payments: Provide routing number 311990045 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 311990045 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 FIRST CENTRAL CREDIT UNION personal check in WACO — the first 9-digit sequence in the MICR line.
• Domestic Wire Transfers via Fedwire: Confirm with FIRST CENTRAL CREDIT UNION whether 311990045 applies to wires — many banks use a separate wire routing number. Fedwire settles same-day in real time.

What 311990045 Cannot Be Used For

• International wire transfers — require a SWIFT/BIC code. Find FIRST CENTRAL 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 311990045 Is Correct

Before using 311990045 for a large ACH or wire transfer, verify it three ways: (1) Check the bottom-left of a FIRST CENTRAL CREDIT UNION personal check — the routing number must match. (2) Log into FIRST CENTRAL 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 FIRST CENTRAL CREDIT UNION routing numbers in TX 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.