Randolph - Brooks FCU routing number

It is 314089681, the only one. RBFCU gives that number for direct deposit, automatic bill payments, check processing and wire transfers alike, and the Federal Reserve ACH directory lists exactly one code under Randolph-Brooks. There is no separate Austin or Dallas-Fort Worth number: 60-plus Texas branches, nine digits.

Routing / ABA number

314089681

Name in the Fed directory

RANDOLPH - BROOKS FCU

Main office

One Randolph Brooks Parkway, Live Oak, TX 78233-2416

Mailing address

P.O. Box 2097, Universal City, TX 78148-2097

Member service

210-945-3300

RBFCU publishes 314089681 on its routing-number page and lists wire transfers among the number’s uses. The exact repository ACH record also uses 314089681, so no second wire number is supported by the sources checked here.

The repository record shows a Live Oak street address, while RBFCU’s contact page gives a Universal City mailing address. Those address fields do not change the bank-published routing number.

1. 1

   Give payroll two numbers

   The routing number, 314089681, and the account number requested by your payroll provider.

2. 2

   Expect the money early

   RBFCU’s Funds Availability Policy says a direct deposit is “generally available up to two (2) Business Days before the Business Day we receive the deposit” — the early paycheck it advertises.

3. 3

   Mind the 7 p.m. cutoff

   The cutoff for a deposit received through ACH is 7:00 p.m. Central. Anything later, or on a weekend or federal holiday, counts as received the next business day.

RBFCU’s own wire agreement sets the list, and it is short — four things:

1. 01Your name and address exactly as they appear on the RBFCU account — not a nickname, not an address you never told the credit union about.
2. 02Your RBFCU account number.
3. 03The routing number, 314089681.
4. 04The credit union: Randolph-Brooks Federal Credit Union, One Randolph Brooks Parkway, Live Oak, TX 78233.

RBFCU’s Funds Availability Schedule puts incoming wires and incoming ACH on same-business-day availability, and charges nothing to receive a wire. A standard transfer set up in Online Banking is slower — RBFCU describes those as two to three days.

Instructions arriving after the 2:30 p.m. CST cutoff are “reviewed and processed within a commercially reasonable time, generally within one Business Day”. Separately, the agreement says an order is final and cannot be cancelled or changed by the member, except for the remittance-transfer right below; RBFCU may attempt a change without guaranteeing success.

The exception is a consumer international wire — a remittance transfer, in the regulation’s language. Cancel within 30 minutes on 1-800-580-3300 and you are refunded in three business days. Errors run a different clock: 180 days to report, through the Payment Services Team on ext. 74578.

RBFCU’s public material does not provide a complete inbound international-wire instruction set. An overseas sender should obtain the required correspondent and beneficiary details from RBFCU before initiating the transfer.

The RBFCU routing page and Wire Transfer Services Agreement checked here do not publish a SWIFT/BIC for the credit union. The agreement mentions SWIFT codes and IBANs only as details that may be needed for an outgoing international wire. For an incoming transfer, ask RBFCU rather than relying on a third-party code directory.

Do not assume that a payment provider changes RBFCU’s screening or routing requirements. Confirm the actual payout rail, beneficiary details, fees and delivery estimate with the provider and RBFCU before sending.