PenFed routing number

ABA routing number

256078446

Institution

Pentagon Federal Credit Union

Officially documented uses

Direct deposit and incoming wires

PenFed’s routing page publishes one nine-digit number and explains how members can locate their account number. No regional routing alternatives appear in the reviewed official pages, so there is no supported basis for selecting a number by state or branch.

PenFed’s direct-deposit page tells members to give an employer or other payer routing number 256078446 along with the receiving account number. The routing number identifies PenFed; the separate account number identifies the member and destination account.

1. 1

   Sign in

   Open PenFed Online or the mobile app through a trusted entry point.

2. 2

   Select the account

   Choose the checking or other eligible deposit account that should receive funds.

3. 3

   Copy the account number

   Use the authenticated account details, not a member number guessed from another document.

4. 4

   Enter the routing number

   Provide all nine digits of 256078446.

5. 5

   Review the account type

   Match checking or savings to the actual receiving account before submitting.

PenFed’s money-movement instructions list 256078446 for an incoming wire. A sender also needs the member’s PenFed account number and the beneficiary information required by the sending institution. For an international incoming wire, PenFed publishes its address and says no SWIFT code is required for the described process.

PenFed says it does not charge a fee to receive a wire. A sending or intermediary institution may still charge. The page also publishes request cutoffs for outbound wires, but those cutoffs do not guarantee when another institution will make funds available.

PenFed identifies itself as Pentagon Federal Credit Union and says it has operated since 1935. It is federally insured by the National Credit Union Administration. The credit union itself owns the member relationship associated with routing number 256078446.

That differs from a financial app that places customer deposits at a separately named sponsor bank. PenFed members have shares at the credit union, and federal share insurance applies through the NCUA framework rather than FDIC pass-through coverage through a partner.

• Enter 256078446 as nine uninterrupted digits when a form requests the ABA routing number.
• Copy the receiving account number from authenticated PenFed account details.
• Use the beneficiary name exactly as held on the account for a wire.
• Do not use PenFed’s number as the destination identifier for an outgoing wire to another institution.
• Recheck current PenFed instructions if a sender asks for an intermediary or international field not covered here.

ACH and wire transfers can use the same ABA number while requiring different authorizations and message fields. Start with the transaction type, then use the PenFed page written for that type instead of copying a partial set of details from an unrelated transfer.