OUR CREDIT UNION Routing Number in ROYAL OAK, MI
1 OUR CREDIT UNION routing number found in ROYAL OAK, MI. Click any routing number to view full details — for ACH transfers, direct deposits, and wire payments.
OUR CREDIT UNION — ROYAL OAK, MI — Select Routing Number
1 routing number
OUR CREDIT UNION Routing Number in ROYAL OAK, MI
OUR CREDIT UNION has 1 routing number registered in ROYAL OAK, MI with the American Bankers Association (ABA) and the Federal Reserve E-Payments Routing Directory. Each 9-digit routing number uniquely identifies OUR CREDIT UNION's ROYAL OAK processing location within the US payment network. BankZop sources all routing data directly from official ABA records — click any routing number above to view its full details and copy it instantly.
The OUR CREDIT UNION routing number for ROYAL OAK, MI is used for setting up direct deposits, authorising ACH payments, initiating domestic wire transfers, and check processing. Always use the specific routing number assigned to the location where your account was opened.
What to Do After Finding the OUR CREDIT UNION ROYAL OAK Routing Number
- Direct deposit: Provide the 9-digit routing number along with your account number to your employer's payroll system, the IRS (for tax refunds), or any government benefit agency.
- ACH bill payment: Enter the routing number when setting up electronic payments to utilities, insurance providers, or subscription services that debit your OUR CREDIT UNION account.
- Wire transfer: Confirm with OUR CREDIT UNION's wire department whether this ABA routing number applies to wire transfers — many banks use a different wire routing number.
- Check verification: Cross-check the routing number printed at the bottom-left of your OUR CREDIT UNION check against the number shown here to confirm accuracy.
Why OUR CREDIT UNION May Have This Routing Number in ROYAL OAK
OUR CREDIT UNION uses a single routing number for ROYAL OAK, MI — assigned by the ABA to identify this specific OUR CREDIT UNION processing location within the Federal Reserve's payment system. This 9-digit code is what routes ACH debits, credits, and wire transfers to the correct OUR CREDIT UNION office for settlement.
ACH vs Wire Transfer — Which Routing Number to Use
This is one of the most common questions about OUR CREDIT UNION ROYAL OAK routing numbers:
| Transfer Type | Routing Number | Settlement |
|---|---|---|
| Direct Deposit / ACH | ABA routing number (this page) | 1–2 business days (same day for Same Day ACH) |
| Domestic Wire Transfer | Confirm with OUR CREDIT UNION directly — may differ | Same business day (real-time via Fedwire) |
| International Wire | SWIFT/BIC code required — find it here | 1–5 business days |
About OUR CREDIT UNION in ROYAL OAK, MI
OUR CREDIT UNION serves customers in ROYAL OAK, MI through its local banking network. The routing number listed on this page are the ABA-registered identifier for OUR CREDIT UNION's ROYAL OAK operations — used by the Federal Reserve's payment infrastructure to route ACH and wire transactions to the correct financial institution.
To browse OUR CREDIT UNION routing numbers in other cities in MI, visit the OUR CREDIT UNION MI directory. For all OUR CREDIT UNION states, see the OUR CREDIT UNION routing number directory. For international transfers, use the SWIFT Code Lookup. For Indian bank transfers, use the IFSC Code Lookup.
Data sourced from the American Bankers Association (ABA) and the Federal Reserve E-Payments Routing Directory. Last reviewed Jun 2026 by BankZop Editorial Team.
Frequently Asked Questions — OUR CREDIT UNION Routing Numbers in ROYAL OAK
- Direct deposit — payroll, IRS tax refunds, Social Security, VA benefits
- ACH transfers — online bill payments, electronic debits, bank transfers
- Domestic wire transfers — same-day settlement via Fedwire (may use a separate wire routing number)
- Check payments — printed at the bottom-left of every OUR CREDIT UNION personal check
- ACH debit authorisations — recurring payments to utilities, subscriptions, insurance