TDECU Routing Number: Texas Dow Employees CU Guide

What is the TDECU routing number?

TDECU uses routing number 313185515 for all member accounts. This nine-digit ABA routing number is needed for ACH transfers, direct deposits, wire transfers, and automatic bill payments.

TDECU, formerly Texas Dow Employees Credit Union, is headquartered in Lake Jackson, Texas, and serves over 380,000 members with approximately $5 billion in assets. Founded in 1955 for Dow Chemical employees, TDECU has expanded membership to include anyone who lives, works, worships, or attends school in the Houston-Galveston region and several other Texas counties.

How to find your TDECU routing number

Routing number 313185515 is printed on the bottom-left corner of your TDECU checks. You can also locate it through TDECU's online banking platform or mobile app under account details.

All TDECU members use the same routing number regardless of branch location or account type. The 313 prefix indicates routing through the Federal Reserve Bank of Dallas, which serves the Texas Gulf Coast region.

TDECU wire transfers and ACH payments

Domestic wire transfers at TDECU use routing number 313185515 through the Fedwire system. Members can initiate outgoing wires online, at a branch, or by contacting member services during business hours.

ACH transactions including employer payroll deposits, Social Security benefits, tax refunds, and automated bill payments all route through this number. TDECU processes ACH transfers on standard Federal Reserve settlement schedules.

TDECU business services

TDECU offers business checking and savings accounts, commercial loans, SBA lending, and business credit cards. Their business platform includes remote deposit capture, cash management, and merchant processing services.

With over 35 branches from Houston to the Texas Gulf Coast, including locations in Sugar Land, Pearland, the Woodlands, and Lake Jackson, TDECU provides broad physical access alongside comprehensive digital banking tools.

How Slash compares to TDECU

TDECU offers competitive credit union rates and extensive Houston-area coverage, while Slash provides a modern digital business banking platform accessible nationwide. Slash delivers up to 2% cashback, unlimited virtual cards with per-card spending controls, and built-in expense management.

For businesses needing digital-first banking without geographic limitations, Slash provides treasury yield on idle balances, stablecoin payment rails, multi-entity support, and automated accounting integrations — all from one platform.