Routing Number 281277351

Routing number 281277351 is assigned to United Community Credit Union, a main office located at 1001 Vermont Street, Quincy, Illinois 62301. This nine-digit ABA routing transit number identifies United Community Credit Union within the Federal Reserve's Unknown district for processing ACH payments, direct deposits, wire transfers, and check clearing.

The first two digits (28) indicate the Federal Reserve Bank of Unknown, digits 3-4 (12) identify the processing center, digits 5-8 (7735) are the institution identifier, and the final digit (1) is a checksum that validates the entire number using the ABA's modulus-10 algorithm.

To set up direct deposit with United Community Credit Union, provide your employer with routing number 281277351 along with your account number. Your account number is separate from the routing number and can be found on the bottom of your checks (to the right of the routing number), in United Community Credit Union's mobile app, or in online banking under account details.

You can verify this routing number on the bottom-left corner of any check from United Community Credit Union, in the mobile app, or by calling 217-224-1093. Direct deposits using this routing number are processed through the Automated Clearing House (ACH) network and typically post within 1-2 business days.

Routing number 281277351 is registered for ACH transactions at United Community Credit Union, including direct deposits, bill payments, payroll, and recurring transfers. ACH payments are processed in batches through the Federal Reserve and typically settle in 1-2 business days.

For domestic wire transfers, United Community Credit Union may use a different routing number. Wire transfers are processed individually through the Fedwire system and settle same-day. Always confirm the correct wire routing number with United Community Credit Union before initiating a wire — using an ACH routing number for a wire can cause the transfer to be rejected or delayed.

This main office of United Community Credit Union is located at 1001 Vermont Street, Quincy, IL 62301. United Community Credit Union operates in the Federal Reserve's Unknown district, which serves as the regional hub for monetary policy and payment processing in this area.