Routing Number 321173386 — MERCO CREDIT UNION, MERCED, CA

Q: What bank does routing number 321173386 belong to?

Routing number 321173386 belongs to MERCO CREDIT UNION, located at 1911 M ST, MERCED, CA 95340. This 9-digit ABA routing number is registered with the American Bankers Association and the Federal Reserve E-Payments Routing Directory. Use 321173386 for ACH transfers, direct deposits, and check payments associated with MERCO CREDIT UNION accounts in MERCED, CA.

Q: What is routing number 321173386 used for?

Routing number 321173386 is used for: Direct deposit — payroll, IRS tax refunds, Social Security, VA benefits to a MERCO CREDIT UNION accountACH transfers — online bill payments, electronic debits, bank-to-bank transfersCheck payments — this routing number is printed at the bottom-left of every MERCO CREDIT UNION personal checkACH debit authorisations — recurring payments to utilities, subscriptions, and insurance providers For international wire transfers, you need the SWIFT/BIC code instead — not this routing number.

Q: Is routing number 321173386 the same for ACH and wire transfers?

Not necessarily. Routing number 321173386 is the ABA routing number for ACH payments, direct deposits, and check processing. Domestic wire transfers may use a different routing number — many large banks maintain a separate wire routing number from their ACH routing number. Always confirm the correct wire routing number with MERCO CREDIT UNION directly before initiating a wire transfer. For international wires, a SWIFT/BIC code is required — visit BankZop's SWIFT Code Lookup.

Q: How do I use routing number 321173386 to set up direct deposit?

To set up direct deposit using routing number 321173386: (1) Obtain your MERCO CREDIT UNION account number from your online banking portal, bank statement, or the bottom of a personal check. (2) Provide routing number 321173386 and your account number to your employer's payroll department or the relevant government agency. (3) Specify your account type (checking or savings). Most payroll systems process the setup within 1–2 pay cycles. Your first direct deposit using this routing number may take one full pay period to activate.

Q: How do I read routing number 321173386 — what do the digits mean?

Routing number 321173386 follows the standard 9-digit ABA format: digits 1–4 (3211) are the Federal Reserve routing symbol — the first two identify the Federal Reserve district and the next two identify the specific Fed processing office. Digits 5–8 (7338) are the ABA institution identifier assigned to MERCO CREDIT UNION. Digit 9 (6) is a mathematically calculated check digit computed from the first 8 digits — it allows payment systems to instantly detect transcription errors. Any 9-digit number that fails the check digit formula is invalid.

Q: Where is routing number 321173386 printed on a check?

Routing number 321173386 is printed at the bottom-left of every MERCO CREDIT UNION personal check in the MICR line — the band of magnetic ink characters at the very bottom of the check. It is always the first 9-digit sequence, surrounded by transit symbols (⑆). The account number appears in the centre of the MICR line (varies in length), and the check number is on the right. Never confuse the routing number (9 digits, leftmost) with the account number.

Q: Can I use routing number 321173386 for an international transfer?

No. ABA routing numbers like 321173386 only work within the US domestic payment system (ACH and Fedwire). For international wire transfers to or from a MERCO CREDIT UNION account in MERCED, you need the bank's SWIFT/BIC code. Find the correct SWIFT code at BankZop's SWIFT Code Lookup. For Indian bank transfers (NEFT, RTGS, IMPS), use the IFSC Code Lookup instead.

Q: Is routing number 321173386 still active?

Routing number 321173386 is listed as active in the BankZop database as of Jun 2026, sourced from the Federal Reserve E-Payments Routing Directory. Routing numbers can be deactivated if a bank merges, is acquired, or closes a processing location. Before initiating a large wire or ACH transfer using this routing number, you can verify its current status on the Federal Reserve routing directory.

MERCO CREDIT UNION Routing Number 321173386 — MERCED, CA

The ABA routing number 321173386 belongs to MERCO CREDIT UNION in MERCED, CA. Use for ACH transfers, direct deposits, and check payments.

About Routing Number 321173386 — MERCO CREDIT UNION

Routing number 321173386 is the official 9-digit ABA routing number registered to MERCO CREDIT UNION at 1911 M ST, MERCED, CA 95340. 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 321173386

The 9-digit number 321173386 is structured in three segments: 3211 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 MERCO CREDIT UNION's transactions. 7338 is the ABA institution identifier — four digits assigned by the American Bankers Association uniquely to MERCO CREDIT UNION. 6 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 321173386

Direct Deposit — Payroll and Government Payments: Provide routing number 321173386 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 321173386 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 MERCO CREDIT UNION personal check in MERCED — the first 9-digit sequence in the MICR line.
Domestic Wire Transfers via Fedwire: Confirm with MERCO CREDIT UNION whether 321173386 applies to wires — many banks use a separate wire routing number. Fedwire settles same-day in real time.

What 321173386 Cannot Be Used For

International wire transfers — require a SWIFT/BIC code. Find MERCO 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 321173386 Is Correct

Before using 321173386 for a large ACH or wire transfer, verify it three ways: (1) Check the bottom-left of a MERCO CREDIT UNION personal check — the routing number must match. (2) Log into MERCO 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 MERCO CREDIT UNION routing numbers in CA 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.

Frequently Asked Questions — Routing Number 321173386

What bank does routing number 321173386 belong to?

What is routing number 321173386 used for?

Is routing number 321173386 the same for ACH and wire transfers?

How do I use routing number 321173386 to set up direct deposit?

How do I read routing number 321173386 — what do the digits mean?

Where is routing number 321173386 printed on a check?

Can I use routing number 321173386 for an international transfer?

Is routing number 321173386 still active?