Merrimack Valley Credit Union’s routing number is 211384926.

If you need to reorder checks, please use the following routing numbers:

• If you are a member of MVCU or you joined BCU after 9/23/19, use routing number: 211384926
• If you are a BCU member who joined before 9/23/19, use routing number: 211381314

What is a routing number?

The Routing Number is also called an ABA number or routing transit number. You can find it in the lower left-hand corner of your checks. Financial institutions use routing numbers in order to process payments electronically. Some examples of electronic payments that we provide are bill pay, checking transactions, and direct deposits!

Not enrolled in Online Banking? Learn more!

If your employer offers direct deposit, they will be responsible for establishing direct deposit on your behalf. Give the payroll department the following information, and they’ll do the rest:

• Credit union routing number: 211384926
• Your ACH Account Number
• A voided check to verify the routing & checking numbers
• The address of your financial institution:
  • Merrimack Valley Credit Union
    P.O. Box 909
    North Andover, MA 01845

If you would like to have your direct deposit amount split between your accounts, you can call a member service representative at (800) 356-0067 and let them know how you'd like it distributed.

Learn more about Direct Deposit!

Open a savings account for your direct deposits today!

We offer several savings account options with competitive rates:

• Main Share Savings
• Premium Savings
• Savings Club
• Money Market Account

Click here to learn about account benefits and apply today.

Keep track of your direct deposits through our eService options

With eServices, you have convenient 24/7 access to your account everywhere you go:

• Online & Mobile Banking
• Bill Pay
• E-Statement
• ATM/Debit Card

Provided the funds are available in your account(s), you may:

• Withdraw no more than $1,000.00 per business day as a cash withdrawal (ATM)
• Make no more than $3,000 in Point-of-Sale purchases per business day
• Make no more than $3,000 in online purchases per business day
• Make no more than $3,000 total in Point-of-Sale and online purchases combined per business day

If you need to withdraw an excess of this amount, contact us in advance or stop into a branch to discuss your options.

Find a convenient branch or surcharge-free ATM near you! Refer to our ATM & Branch Location page!

Keep track of your debit activity through our eService options!

With eServices, you have convenient 24/7 access to your account everywhere you go:

• Online Banking & Mobile Banking
• Bill Pay
• E-Statement
• ATM/Debit Card
• Telephone Banking

To transfer money between your own accounts, follow these steps:

1. Log in to your MVCU Online Banking account
2. Select the Transfer widget
3. Click the Classic tab
4. Select the account you're transferring From, then the Account you're transferring To
5. Enter the Amount
6. Click Submit Transfer

To transfer money to an MVCU member, follow these steps:

1. Log in to your MVCU Online Banking account
2. Select the Transfer widget
3. Click the Classic tab
4. Select the Account you're transferring From
5. Click on the "Transfer to another Merrimack Valley Credit Union member" link
6. Enter the required information
7. Enter the amount
8. Click Submit Transfer

To transfer money to a non-MVCU member, follow these steps:

1. Log in to your MVCU Online Banking account
2. Select the Bill Pay Widget
3. Set up a new payee with information of the person you're sending money to
4. Enter the amount
5. Click Submit

If the recipient’s bank account information is not available, enter the recipient’s full name and their e-mail address or mobile phone number.

If the recipient’s bank account information is available:

1. Select “Bank Account”
2. Select the account type
3. Enter the routing number and account number
4. Enter the amount of the transfer
5. Select the send date, and the delivery time.
6. Select Continue, then Send Payment to confirm.

Haven't signed up for online banking yet?

Bank easier with 24/7 access to all of your accounts! Make online transfers, access Bill Pay & eStatements, check and monitor your FICO score, set savings goals, manage your budget, and much more! Register today!

Yes, your debit card is typically accepted internationally! For security reasons, we do not allow card transactions in sanctioned countries or countries in which U.S. laws prohibit debit activity. If your ATM card is linked to a checking account, it will also be accepted internationally.

Please notify us before traveling internationally with your Visa debit and credit card. Fill out our Travel Authorization Form to ensure your funds remain accessible throughout your travel.

Bon voyage!

Consider a credit card for your travels!

If possible, we recommend using a Credit Card instead of a Debit Card when traveling outside the U.S.

Choosing the right Personal or Business credit card is easier than ever with your credit union. No matter which card you choose, you’ll enjoy important features like EMV smart chip technology, mobile purchasing capability, Apple Pay and Android Pay, plus much more! 

If you're looking for a reward card, learn how you can choose the best rewards card for you.