Mountain America Routing Number – 324079555 All States Guide
For anyone managing finances with Mountain America—whether receiving a paycheck via direct deposit or sending money internationally—understanding the correct routing number is essential. Using an outdated or incorrect number can delay transactions or cause them to fail entirely. The information below is based on official sources and third-party financial databases to ensure accuracy.
What is the Mountain America Credit Union Routing Number?
Mountain America Credit Union uses the ABA routing number 324079555 for all transaction types across every branch location. This number was officially confirmed by the credit union on its own website and is listed consistently in Federal Reserve routing directories. Whether you bank in Utah, Idaho, Arizona, or another state where MACU operates, this same nine-digit code applies universally.
The routing number identifies Mountain America in the national electronic payments network, allowing financial institutions to route funds correctly when you send or receive money. Unlike some larger banks that assign different routing numbers based on transaction type or region, Mountain America maintains a single identifier for simplicity.
Quick Reference
324079555
Utah, Idaho, Arizona
Direct deposit, wires, checks
Official MACU site or check
Key Facts About This Routing Number
- The routing number 324079555 belongs exclusively to Mountain America Credit Union
- It remains the same for all transaction types including ACH, wire transfers, and paper checks
- No state-specific variations exist—the number applies uniformly in every state where MACU operates
- MACU’s official website confirms: “This routing number is the same for every Mountain America branch location”
- The number appears on the bottom left of MACU checks (the first nine digits)
- ACH transfers typically process within a few business days at low or no cost
- Wire transfers are faster but may incur fees ranging from $25 to $50 depending on the direction
Routing Number by Transaction Type
| Transfer Type | Routing Number | Notes |
|---|---|---|
| ACH / Direct Deposit | 324079555 | All states, all branches |
| Domestic Wire | 324079555 | Use with Sandy, UT address |
| International Wire (USD) | 324079555 | Add BIC code MMFCUS32 |
| Paper Checks | 324079555 | First 9 digits at bottom left |
| Federal Tax Payments | 324079555 | Same as ACH |
| Vendor Payments | 324079555 | ACH standard format |
Mountain America Routing Numbers by State
A common question among account holders is whether the routing number changes depending on which state they live in. According to MACU’s official help documentation, the routing number 324079555 does not vary by state. This applies regardless of whether you opened your account in Utah, Idaho, Arizona, or any other state where Mountain America has branch locations.
The credit union has expanded significantly since its founding, yet it has maintained this single routing number throughout its growth. Third-party financial platforms like Wise and XE also confirm this uniform numbering across all regions.
Utah Branches
For members in Utah—including those at the West Jordan branch located at 7181 South Campus View Drive—the routing number remains 324079555. Utah represents Mountain America’s largest market, with dozens of branches throughout the Salt Lake City area and beyond. The same routing number applies whether you’re depositing your paycheck at a branch in Provo or setting up automatic bill payments from Ogden.
Idaho Branches
Idaho members use the identical routing number 324079555 for all electronic payments. Whether at a Boise branch or any other Idaho location, the process for setting up direct deposit or sending wire transfers remains unchanged. MACU has grown its Idaho presence over the years, but the routing infrastructure has stayed consistent.
Arizona Branches
Arizona follows the same pattern. Account holders in Arizona use 324079555 without exception. This uniformity simplifies financial management for members who may have connections to multiple states or who travel between MACU service areas.
Mountain America Credit Union does not issue state-specific routing numbers. If you encounter a different number claiming to be for MACU in a particular state, verify it directly with the credit union before proceeding. Errors can cause failed or misdirected transactions.
How to Find Your Mountain America Routing Number
There are several reliable ways to locate your Mountain America routing number. The most accessible methods include checking your personal checks, using online banking, reviewing bank statements, or visiting the official MACU website directly.
Finding It on a Check
The routing number appears at the bottom left of any Mountain America check. You will see three sets of numbers: the routing number (first nine digits), the account number (typically 10-12 digits), and a check number (final digits). The routing number 324079555 will always be the first group printed in this magnetic ink character recognition (MICR) line.
Through Online Banking or Mobile App
Logged-in users can find the routing number within their account settings. Navigate to your account details or settings section where direct deposit information is displayed. MACU’s online platform mirrors the information found in their help documentation, so the number displayed should match 324079555.
From Bank Statements
Paper and electronic statements often include routing information in the header or within direct deposit setup sections. Look for a section labeled “Direct Deposit Information” or “Account Details.” The routing number will appear alongside your account number.
Federal Reserve Directory
The Federal Reserve’s routing number directory lists all ABA routing numbers nationally. You can search for “Mountain America Credit Union” or the number 324079555 to confirm its validity. This method serves as an independent verification step, particularly useful when setting up business payments or third-party transfers.
Mountain America Routing Number for ACH, Wires, and Direct Deposit
Different transaction types have slightly different requirements, though the core routing number stays the same. Understanding these distinctions helps ensure smooth processing and avoids common errors.
ACH Transfers
ACH (Automated Clearing House) transfers handle batch-processed transactions like direct deposits, payroll payments, and recurring bill payments. For ACH transfers to or from your Mountain America account, use routing number 324079555. These transfers typically clear within 1-3 business days and often carry minimal or no fees. Instarem and XE both confirm this usage.
Direct Deposit Setup
When setting up direct deposit with your employer, you will need to provide your 12-digit account number along with routing number 324079555. MACU offers a direct deposit form on their website that includes this routing number. Your employer may also require your full name, address, and account type (checking or savings). The form streamlines the process and reduces errors in setup.
Domestic Wire Transfers
For receiving domestic wire transfers, MACU requires the routing number 324079555 along with additional details. The receiving address is 9800 S. Monroe St., Sandy, UT 84070. You must also provide your full 12-digit account number, your name or business name, and your physical address. Wire transfers often process the same business day if received before the cutoff time. Fees for incoming domestic wires typically range from $25 to $50. MACU’s wire transfer instructions provide full details.
Domestic wires received by 4:00 p.m. MT typically post the same day. For international wires, additional correspondent bank processing may extend delivery time. Always confirm wire details with the sender before initiating.
International Wire Transfers
International wire transfers in USD use the same routing number 324079555. For international transactions, you must also provide the BIC (Bank Identifier Code): MMFCUS32. MACU does not offer SWIFT code services because the credit union does not exchange foreign currency. International wires may pass through correspondent banks, which can introduce additional fees or delays. RIA Money Transfer documents this process as well.
Checks vs. Electronic Transfers
The routing number 324079555 works identically for paper checks and electronic transactions. When you write a check, the routing number in the MICR line tells the processing bank where to send the funds. For ACH payments or direct deposits, the same number ensures accurate routing through the electronic network. Wise confirms that the number serves both functions without variation.
Always verify your routing number through official MACU channels before setting up any payment. Using an incorrect number—even by a single digit—can result in failed transactions, delayed deposits, or funds being sent to the wrong account. When in doubt, contact MACU directly at 1-800-748-4302.
Key Clarifications: Routing Number Accuracy and Common Misconceptions
Understanding what is confirmed and what remains ambiguous helps you use the routing number with confidence. The table below separates established facts from areas where you should exercise caution.
| Aspect | Established Information | Uncertainties or Caveats |
|---|---|---|
| Core routing number | 324079555 is the confirmed ABA routing number for all MACU branches | None—verified by multiple official and third-party sources |
| State variations | No state-specific routing numbers exist | None—MACU confirms uniform numbering |
| Transaction type variations | Same number for ACH, wire, and checks | International wires may involve correspondent banks that use different routing |
| Wire cutoff times | Domestic wires received by 4:00 p.m. MT post same day | Cutoff times may change; verify with current schedule |
| International wire fees | Fees vary by correspondent bank | MACU does not control correspondent bank charges |
| Future changes | Routing numbers can change if MACU merges or reorganizes | No current indication of changes; monitor statements for updates |
Understanding Routing Numbers at Mountain America
ABA routing numbers, often called routing transit numbers (RTN), serve as unique identifiers for financial institutions in the United States. The nine-digit format follows a standardized system established by the American Bankers Association. Each number encodes specific information about the bank’s location and primary Federal Reserve district.
Mountain America Credit Union, like other credit unions, operates under regulations from the National Credit Union Administration (NCUA). This federal oversight ensures consistent standards for routing numbers and consumer protections. Credit unions differ from banks in that they are not-for-profit cooperatives owned by their members, but their electronic payment systems operate under the same ABA framework.
The choice to maintain a single routing number simplifies operations for both the credit union and its members. Instead of memorizing different numbers for different purposes, account holders rely on one consistent identifier. This reduces errors in payment setup and streamlines customer service interactions. For additional guidance on managing federal benefit deposits, see our guide to retroactive Social Security payments.
“Mountain America’s ABA routing number is 324079555. This routing number is the same for every Mountain America branch location.”
— Mountain America Credit Union Official Website
Sources and Verification
The routing number 324079555 has been verified through multiple independent channels. The primary sources include MACU’s own help documentation, third-party financial platforms, and Federal Reserve routing directories.
Official MACU sources confirm the number on their general information help page and their business wire transfer page. Third-party verification comes from Wise, XE, Instarem, RIA Money Transfer, and Remitly. Each of these platforms maintains current routing number databases for U.S. financial institutions.
For direct deposits to checking or savings: Provide your 12-digit account number and routing number 324079555 to your employer. A direct deposit form is available on MACU’s site listing this number.
— Mountain America Credit Union Direct Deposit Service Page
Summary: What You Need to Know About Mountain America’s Routing Number
Mountain America Credit Union uses the single ABA routing number 324079555 for all transactions across all branch locations in Utah, Idaho, Arizona, and other serving states. This number handles ACH transfers, direct deposits, wire transfers (domestic and international), and paper checks without variation. To verify the number, check your MACU checks, online banking portal, statements, or the official MACU website. For wire transfers, additional details include the Sandy, UT address (9800 S. Monroe St.) and the BIC code MMFCUS32 for international transactions. Always confirm routing details before initiating payments, and contact MACU at 1-800-748-4302 for assistance. For related financial guidance, see our overview of retroactive Social Security payments or Spectrum customer service options.
Frequently Asked Questions
What bank is routing number 324079555?
Routing number 324079555 belongs exclusively to Mountain America Credit Union. This has been confirmed by MACU’s official website and multiple independent routing number databases.
Is the routing number the same for checks and electronic transfers?
Yes. The routing number 324079555 works identically for paper checks and all electronic transfers including ACH, direct deposit, and wire transfers.
Does Mountain America have different routing numbers by state?
No. MACU uses the same routing number 324079555 regardless of which state your account is in, including Utah, Idaho, and Arizona.
What is Mountain America ACH routing number?
The ACH routing number for Mountain America Credit Union is 324079555. This same number is used for all ACH transactions including bill payments, direct deposits, and other automated clearing house transfers.
How do I find my Mountain America routing number on a check?
Look at the bottom left of your MACU check. You will see three groups of numbers. The first group of nine digits—324079555—is your routing number. The second group is your account number, and the final group is your check number.
What information do I need for a domestic wire transfer to Mountain America?
For incoming domestic wires, provide your routing number (324079555), the receiving address (9800 S. Monroe St., Sandy, UT 84070), your full 12-digit account number, and your name with physical address.
Does Mountain America have a SWIFT code?
No. Mountain America Credit Union uses the BIC code MMFCUS32 for international wires in USD. The credit union does not offer SWIFT codes because it does not exchange foreign currency.
How can I verify the routing number is correct before sending money?
You can verify the routing number by checking MACU’s official help page, consulting the Federal Reserve routing directory, or contacting MACU directly at 1-800-748-4302 before initiating any transfer.
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