GRANITE CU Routing Number 324078721 — SALT LAKE CITY, UT

About Routing Number 324078721 — GRANITE CU

Routing number 324078721 is the official 9-digit ABA routing number registered to GRANITE CU at 3675 SOUTH 900 EAST, SALT LAKE CITY, UT 84106-1964. 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 324078721

The 9-digit number 324078721 is structured in three segments: 3240 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 GRANITE CU's transactions. 7872 is the ABA institution identifier — four digits assigned by the American Bankers Association uniquely to GRANITE CU. 1 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 324078721

• Direct Deposit — Payroll and Government Payments: Provide routing number 324078721 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 324078721 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 GRANITE CU personal check in SALT LAKE CITY — the first 9-digit sequence in the MICR line.
• Domestic Wire Transfers via Fedwire: Confirm with GRANITE CU whether 324078721 applies to wires — many banks use a separate wire routing number. Fedwire settles same-day in real time.

What 324078721 Cannot Be Used For

• International wire transfers — require a SWIFT/BIC code. Find GRANITE CU'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 324078721 Is Correct

Before using 324078721 for a large ACH or wire transfer, verify it three ways: (1) Check the bottom-left of a GRANITE CU personal check — the routing number must match. (2) Log into GRANITE CU 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 GRANITE CU routing numbers in UT 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.