Navy Federal Routing Number

256074974
ACH & Wire

Routing Number 256074974 Details

Routing Number 256074974
Bank Navy Federal
State / Region National
Type ACH & Wire

Is 256074974 Valid?

Yes — 256074974 is a valid ABA routing number assigned to Navy Federal for National. It is used for both ACH and wire transfers.

What Does 256074974 Mean?

Every ABA routing number is a 9-digit code that identifies both the Federal Reserve district and the specific financial institution. Here's how 256074974 breaks down:

DigitsValueMeaning
1–42560Federal Reserve routing symbol (Richmond district)
5–87497Navy Federal institution identifier
94Check digit (validates the number)

The first two digits (25) indicate the Federal Reserve Bank that serves this institution — in this case, the Federal Reserve Bank of Richmond. The check digit is calculated using a weighted algorithm to prevent transcription errors.

ACH vs. Wire Transfers: When to Use 256074974

This routing number works for both ACH and wire transfers at Navy Federal:

ACH Transfers

  • Direct deposit (payroll)
  • Bill payments
  • Tax refunds
  • Recurring transfers

Typically 1–3 business days. Free or low-cost.

Wire Transfers

  • Large one-time payments
  • Real estate closings
  • International transfers
  • Time-sensitive payments

Same-day settlement. Usually $15–$30 fee.

How to Find Your Navy Federal Routing Number

If you need to verify that 256074974 is the correct routing number for your account, you can check in several places:

  1. Your checkbook — The routing number is the first 9 digits at the bottom-left of any personal check, before your account number.
  2. Online banking — Log in to Navy Federal and look under account details or settings.
  3. Mobile app — Most banking apps show the routing number on the account summary screen.
  4. Customer service — Call Navy Federal to confirm over the phone.

Your routing number is based on the state where you opened your account, not your current address. If you opened your Navy Federal account in National, 256074974 is likely the correct number.

Frequently Asked Questions

Yes, 256074974 is the ACH & Wire routing number for Navy Federal in National.

Routing number 256074974 belongs to Navy Federal. It is used for National.

This routing number can be used for both ACH transfers (direct deposit, bill pay) and domestic wire transfers.

Yes, you can use 256074974 to set up direct deposit for your Navy Federal account in National. You'll also need your account number, which you can find in your online banking portal or on a check.

A routing number like 256074974 identifies the bank and branch (Navy Federal, National), while your account number identifies your specific account at that bank. Both are needed for transfers. On a check, the routing number is the first 9 digits at the bottom left, followed by your account number.

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