The ACH and direct-deposit number depends on the U.S. state where you opened your account; domestic wires use 321 172 866 (cross-checked against public directories, not confirmed by the bank).
Direct deposit, payroll, and ACH transfers.
321172866
Incoming and outgoing domestic wire transfers.
1 number · 1 cross-checked
| Routing number | Use | State | Verification | Checked | Copy |
|---|---|---|---|---|---|
| 321 172 866Cross-checked | ACH · Wire | CAACH · Wire | Cross-checked | June 28, 2026 |
These appear for Bay Cities in public routing data but haven't met our cross-check bar — treat them as leads, not answers. Don't use one without confirming it with Bay Cities first.
Where to look: a check, online banking, the mobile app.
Look at the bottom-left of a Bay Cities check — the first 9 digits are your routing number.
Or sign in to online or mobile banking and open your account or routing details.
Or call the number on the back of your card and ask for the ABA routing number for your account.
Confirm the number with the bank before using it for direct deposit or a transfer.
The ACH and direct-deposit number depends on the U.S. state where you opened your account; domestic wires use 321 172 866 (cross-checked against public directories, not confirmed by the bank). The 9-digit routing number identifies the bank on a transfer; your account number identifies you.
Yes. Bay Cities assigns ACH and direct-deposit routing numbers by the U.S. state where you opened your account. Check the bottom-left of a Bay Cities check, your account details in online or mobile banking, or the routing-number table on this page to find the one for your state. Domestic wires use a single routing number regardless of state.
Use the ACH and direct-deposit number for payroll, direct deposit, and everyday transfers. Use the wire number for domestic wire transfers, which also need the recipient's name and address. The two are not interchangeable — sending an ACH payment with a wire routing number (or the reverse) can be rejected, so match the number to the transfer type.
Your routing number is the first 9 digits in the bottom-left of a Bay Cities check, or in your online and mobile banking under account or routing details. You can also call the number on the back of your card. If anyone asks for your online-banking password or full card number to "verify" a routing number, it's a scam — a routing number alone is public.
Bay Cities is a credit union headquartered in Hayward, CA.
Every number passes the standard ABA checksum. 1 is cross-checked against multiple public routing directories. fin.codes is an independent reference, not a bank — always confirm transfer details with Bay Cities before sending money.
No. fin.codes is an independent reference and is not affiliated with, authorized by, or endorsed by Bay Cities.
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