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Merco routing numbers

Merco's routing number is 321 173 386 for direct deposit and ACH transfers (cross-checked against public directories — confirm before you send).

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

Direct deposit, payroll, and ACH transfers

321 173 386

Cross-checked against public routing directories, not the bank itself. Always confirm with the bank before you send money.

Type
credit union
Headquarters
Merced, CA
NCUA charter
64766
NCUA reported assets
$207.0M
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Find your Merco number in your account

Find your Merco routing number

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

  1. Look at the bottom-left of a Merco 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 Merco.
  • 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 Merco'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

Merco routing number FAQ

What is Merco's routing number?

Merco's routing number is 321 173 386 for direct deposit and ACH transfers (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.

How do I find my Merco routing number?

Your routing number is the first 9 digits in the bottom-left of a Merco 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 Merco headquartered?

Merco is a credit union headquartered in Merced, CA.

How does fin.codes check Merco'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 Merco before sending money.

Is fin.codes affiliated with Merco?

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

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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.