VALLEY FIRST CREDIT UNION Routing Number MODESTO, CA

Q: How many routing numbers does VALLEY FIRST CREDIT UNION have in MODESTO, CA?

VALLEY FIRST CREDIT UNION has 3 routing numbers registered in MODESTO, CA with the American Bankers Association (ABA). Click any routing number above to view its complete details including bank name, address, ZIP code, and phone number.

Q: What is the VALLEY FIRST CREDIT UNION routing number in MODESTO, CA?

There are 3 VALLEY FIRST CREDIT UNION routing numbers in MODESTO, CA. Click the routing number above that corresponds to your account. If you are unsure which applies, check the bottom-left of a personal check — the routing number printed there is the one assigned to your specific account.

Q: What is the VALLEY FIRST CREDIT UNION MODESTO routing number used for?

The VALLEY FIRST CREDIT UNION routing number in MODESTO is required for: Direct deposit — payroll, IRS tax refunds, Social Security, VA benefitsACH transfers — online bill payments, electronic debits, bank transfersDomestic wire transfers — same-day settlement via Fedwire (may use a separate wire routing number)Check payments — printed at the bottom-left of every VALLEY FIRST CREDIT UNION personal checkACH debit authorisations — recurring payments to utilities, subscriptions, insurance

Q: Is the VALLEY FIRST CREDIT UNION MODESTO routing number the same for ACH and wire transfers?

Not necessarily. Many large banks maintain a separate routing number for domestic wire transfers from the one used for ACH payments and direct deposits. If you need to send or receive a wire transfer to a VALLEY FIRST CREDIT UNION account in MODESTO, always confirm the wire routing number directly with VALLEY FIRST CREDIT UNION's wire department. The routing number shown on BankZop is the ABA routing number on record — verify wire-specific numbers with the bank before initiating high-value wire transactions.

Q: How do I verify the VALLEY FIRST CREDIT UNION routing number for MODESTO?

You can verify your VALLEY FIRST CREDIT UNION MODESTO routing number three ways: (1) Use BankZop — the result page shows the routing number with full bank address and phone. (2) Check the bottom-left of any VALLEY FIRST CREDIT UNION personal check — the routing number is always the first 9-digit sequence in the MICR line. (3) Log into VALLEY FIRST CREDIT UNION online banking and navigate to Account Details. All data on BankZop is sourced from the ABA routing registry.

Q: Can I use the VALLEY FIRST CREDIT UNION MODESTO routing number for international transfers?

No. ABA routing numbers only work within the US domestic payment system (ACH, Fedwire). For international wire transfers to or from a VALLEY FIRST CREDIT UNION account in MODESTO, you need the bank's SWIFT/BIC code instead. Visit BankZop's SWIFT Code Lookup to find the correct SWIFT code for VALLEY FIRST CREDIT UNION international transfers.

Q: What format is the VALLEY FIRST CREDIT UNION MODESTO routing number?

All VALLEY FIRST CREDIT UNION routing numbers in MODESTO follow the standard 9-digit ABA routing number format: digits 1–2 identify the Federal Reserve district; digits 3–4 identify the Federal Reserve office; digits 5–8 are the ABA institution identifier for VALLEY FIRST CREDIT UNION; digit 9 is a mathematically calculated check digit. A routing number is always exactly 9 numeric digits — any other format is invalid.

Q: Where is the VALLEY FIRST CREDIT UNION routing number on a check for MODESTO accounts?

The VALLEY FIRST CREDIT UNION routing number for MODESTO accounts is printed at the bottom-left of every personal check in the MICR line. It is always the first 9-digit sequence, surrounded by transit symbols. The account number follows in the centre (varies in length), and the check number is on the right. Do not confuse the routing number (9 digits, leftmost) with the account number.

VALLEY FIRST CREDIT UNION Routing Numbers in MODESTO, CA

3 VALLEY FIRST CREDIT UNION routing numbers found in MODESTO, CA. Click any routing number to view full details — for ACH transfers, direct deposits, and wire payments.

Updated Jun 2026 VALLEY FIRST CREDIT UNION MODESTO, CA Live Data

VALLEY FIRST CREDIT UNION Routing Numbers in MODESTO, CA

VALLEY FIRST CREDIT UNION has 3 routing numbers registered in MODESTO, CA with the American Bankers Association (ABA) and the Federal Reserve E-Payments Routing Directory. Each 9-digit routing number uniquely identifies VALLEY FIRST CREDIT UNION's MODESTO 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 VALLEY FIRST CREDIT UNION routing number for MODESTO, CA 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 VALLEY FIRST CREDIT UNION MODESTO 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 VALLEY FIRST CREDIT UNION account.
Wire transfer: Confirm with VALLEY FIRST 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 VALLEY FIRST CREDIT UNION check against the number shown here to confirm accuracy.

Why VALLEY FIRST CREDIT UNION May Have Multiple Routing Numbers in MODESTO

VALLEY FIRST CREDIT UNION has 3 routing numbers in MODESTO because large US banks sometimes maintain multiple routing numbers within the same city — assigned to different processing offices or account types. Your specific routing number depends on which office processed your account when it was opened. Check the bottom-left of a personal check or your online banking account details to confirm which routing number belongs to your account.

ACH vs Wire Transfer — Which Routing Number to Use

This is one of the most common questions about VALLEY FIRST CREDIT UNION MODESTO 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 VALLEY FIRST 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 VALLEY FIRST CREDIT UNION in MODESTO, CA

VALLEY FIRST CREDIT UNION serves customers in MODESTO, CA through its local banking network. The routing numbers listed on this page are the ABA-registered identifiers for VALLEY FIRST CREDIT UNION's MODESTO operations — used by the Federal Reserve's payment infrastructure to route ACH and wire transactions to the correct financial institution.

To browse VALLEY FIRST CREDIT UNION routing numbers in other cities in CA, visit the VALLEY FIRST CREDIT UNION CA directory. For all VALLEY FIRST CREDIT UNION states, see the VALLEY FIRST CREDIT UNION routing number directory. For international transfers, use the SWIFT Code Lookup. For Indian bank transfers, use the IFSC Code Lookup.

Frequently Asked Questions — VALLEY FIRST CREDIT UNION Routing Numbers in MODESTO

How many routing numbers does VALLEY FIRST CREDIT UNION have in MODESTO, CA?

What is the VALLEY FIRST CREDIT UNION routing number in MODESTO, CA?

What is the VALLEY FIRST CREDIT UNION MODESTO routing number used for?

Is the VALLEY FIRST CREDIT UNION MODESTO routing number the same for ACH and wire transfers?

How do I verify the VALLEY FIRST CREDIT UNION routing number for MODESTO?

Can I use the VALLEY FIRST CREDIT UNION MODESTO routing number for international transfers?

What format is the VALLEY FIRST CREDIT UNION MODESTO routing number?

Where is the VALLEY FIRST CREDIT UNION routing number on a check for MODESTO accounts?