Mountain Credit Union Routing Number: North Carolina Guide

What is the Mountain Credit Union routing number?

Mountain Credit Union uses routing number 253278090 for all ACH and electronic transactions. Based in Waynesville, North Carolina, Mountain CU serves members across western North Carolina with a focus on affordable financial services and community development.

Founded in 1932, Mountain Credit Union has served the people of western North Carolina for over nine decades. The credit union operates multiple branches throughout the region and is dedicated to providing accessible banking with competitive rates and low fees.

How to find your Mountain CU routing number

Routing number 253278090 is printed on the bottom-left of your Mountain Credit Union checks. You can also locate it by signing into online banking and viewing your account details, where both routing and account numbers are displayed.

The Mountain CU mobile app provides access to your routing information under account settings. Any branch location in western North Carolina can also verify your routing number and help you set up transfers.

Mountain CU direct deposit and ACH

Set up direct deposit with Mountain Credit Union by providing routing number 253278090 and your account number to your employer or benefits provider. Mountain CU processes payroll and government deposits on standard ACH timelines with funds available on your scheduled pay date.

Mountain CU supports full ACH services including incoming direct deposits, outgoing bill payments, and external account transfers. Online banking lets you automate recurring payments and manage all electronic transfer configurations from home.

Mountain CU wire transfers

Mountain Credit Union processes domestic wire transfers using routing number 253278090. Wires can be initiated at a branch location or by contacting the credit union. Incoming domestic wires typically settle the same business day when received before the processing cutoff.

International wire transfers may be available through Mountain CU for cross-border payments. Contact the credit union directly for current wire fees, exchange rates, and documentation needed for international transactions.

Business banking with Slash

Mountain Credit Union serves western North Carolina with community-focused banking. For businesses that need modern digital tools, Slash provides instant ACH and wire transfers, unlimited virtual cards, automated expense management, and real-time cash flow visibility — all accessible from anywhere.

Slash is built for businesses that want to move beyond branch-based banking with multi-entity support, team spending controls, up to 2% cashback on card spend, and seamless integrations with accounting platforms like QuickBooks and Xero.