256 074 974 is the number for direct deposit and ACH transfers.
256074974
Direct deposit, payroll, and ACH transfers.
2 numbers · 1 bank-verified · 1 cross-checked
| Routing number | Use | State | Verification | Checked | Copy |
|---|---|---|---|---|---|
| 256 074 974Bank-verified | ACH | All statesACH | Bank-verified | June 28, 2026 | |
| 255 077 451Cross-checked | ACH | MDACH | Cross-checked | June 28, 2026 |
These appear for Navy Federal 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 Navy Federal first.
Each Bank-verified number appears on Navy Federal's own published page. Open it to see the number for yourself. fin.codes is independent and not affiliated with Navy Federal.
Where to look: a check, online banking, the mobile app.
Look at the bottom-left of a Navy Federal 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.
256 074 974 is the number for direct deposit and ACH transfers. The 9-digit routing number identifies the bank on a transfer; your account number identifies you.
Your routing number is the first 9 digits in the bottom-left of a Navy Federal 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.
Navy Federal Credit Union is a credit union headquartered in Vienna, VA.
Every number passes the standard ABA checksum. 1 number is confirmed against an official Navy Federal source. 1 is cross-checked against multiple public routing directories. fin.codes is an independent reference, not a bank — always confirm transfer details with Navy Federal before sending money.
No. fin.codes is an independent reference and is not affiliated with, authorized by, or endorsed by Navy Federal Credit Union.
fin.codes may earn a commission from sponsored links. Check rates, fees, eligibility, and transfer terms directly with the provider.