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Bay Cities routing numbers

Bay Cities's ACH and direct-deposit routing number depends on the U.S. state where you opened your account. For domestic wires, Bay Cities uses 321 172 866 (cross-checked against public directories — confirm before you send).

Cross-checkedNCUA 5300 Call Reportchecked June 28, 2026
⑆ Routing numbersBay Cities
Direct deposit & ACHCross-checked

Direct deposit, payroll, and ACH transfers

Depends on your state

3 numbers · AR, CA

Bay Cities uses a different ACH routing number depending on the U.S. state where you opened your account. Find yours in the table below.

Find your state's number
Domestic wireCross-checked

Incoming and outgoing domestic wire transfers

321 172 866

Wires also need the recipient's name and address. Don't use this number for direct deposit — wire and ACH numbers are not interchangeable. Always confirm with the bank before you send money.

Type
credit union
Headquarters
Hayward, CA
NCUA charter
68316
NCUA reported assets
$78.8M
All numbers

Every Bay Cities routing number

Lookup tool
3 of 3
Find it yourself

Find your Bay Cities number in your account

Find your Bay Cities routing number

Where to look: a check, online banking, the mobile app.

  1. Look at the bottom-left of a Bay Cities check — the first 9 digits are your routing number.
  2. Or sign in to online or mobile banking and open your account or routing details.
  3. Or call the number on the back of your card and ask for the ABA routing number for your account.
  4. Confirm the number with the bank before using it for direct deposit or a transfer.
Before you send

Check these before you send money

  • Confirm the bank name on the transfer matches Bay Cities.
  • Match the number to the transfer type — ACH and direct deposit use one number, domestic wires another.
  • For wires, double-check the recipient's name and address too.
  • If instructions arrived by email, confirm them on Bay Cities's official site or phone line before sending.
  • No one should ever need your password or full card number to confirm a routing number — that's a scam.
FAQ

Bay Cities routing number FAQ

What is Bay Cities's routing number?

Bay Cities's ACH and direct-deposit routing number depends on the U.S. state where you opened your account. For domestic wires, Bay Cities uses 321 172 866 (cross-checked against public directories — confirm before you send). The 9-digit routing number identifies the bank on a transfer; your account number identifies you.

Does Bay Cities's routing number depend on my state?

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.

What's the difference between Bay Cities's ACH and wire routing numbers?

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.

How do I find my Bay Cities routing number?

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. 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.

Where is Bay Cities headquartered?

Bay Cities is a credit union headquartered in Hayward, CA.

How does fin.codes check Bay Cities's routing numbers?

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.

Is fin.codes affiliated with Bay Cities?

No. fin.codes is an independent reference and is not affiliated with, authorized by, or endorsed by Bay Cities.

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Independent reference. Not affiliated with, endorsed by, or authorized by any financial institution. Confirm routing or SWIFT details directly with your bank before sending money.