Central 1 Credit Union
Ontario - St Catharines
PENFINANCIAL CREDIT UNION LTD
Routing Number # 082806032

BankCentral 1 Credit Union (Central 1)
Branch NamePENFINANCIAL CREDIT UNION LTD
Routing Number082806032
MICR (Transit Number)06032-828
Address82-84 Lake Street
CitySt Catharines
StateOntario
Postal CodeL2R 5X4
Location Map of Central 1 Credit Union
St Catharines,ON
Location Map of PENFINANCIAL CREDIT UNION LTD branch of Central 1 Credit Union in St Catharines,ON
 

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What is the Routing Number?

A routing number identifies the financial institution and the branch to which a payment item is directed. Along with the account number, it is essential for delivering payments through the clearing system.

In Canada, there are two formats for routing numbers:

EFT Routing Number

An Electronic Fund Transactions (EFT) routing number is comprised of a three-digit financial institution number and a five-digit branch number, preceded by a "leading zero".
Example : 0XXXYYYYY
  • 0 : Leading zero
  • YYY : Institution Number
  • XXXXX : Branch Number
The electronic routing number is used for routing electronic payment items, such as direct deposits and wire transfers.

MICR Number (Transit Number)

MICR Numbers or widely known as Transit Numbers are used in cheques processing. It appears on the bottom of negotiable instruments such as checks identifying the financial institution on which it was drawn.
A paper (MICR) routing number is comprised of a three-digit financial institution number and a five-digit branch number. It is encoded using magnetic ink on paper payment items (such as cheques).
Example : XXXXX-YYY
  • XXXXX : Branch Number
  • YYY : Institution Number
MICR stands for Magnetic Ink Character Recognition.