Route 31
Route 31 supports RTP. FedNow and Zelle participation has not been confirmed.
Muskegon, MI · NCUA Charter #5982
http://www.route31cu.com715 Terrace St, Muskegon, MI, 49440
Contact info sourced from NCUA's quarterly call report data. Directory data last synced July 18, 2026. See methodology.
- Community confirmations
- 0
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Report early direct deposit
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Sending from Route 31
Rails observed when Route 31 was the sending bank.
No sending reports yet for Route 31. Once community members report a transfer from this bank, this section will show which rail was used, how many reports were successful, delayed, or unsuccessful, and the average settlement time.
Receiving into Route 31
Rails observed when Route 31 was the receiving bank.
No receiving reports yet for Route 31. Once community members report a transfer into this bank, this section will show which rail was used, how many reports were successful, delayed, or unsuccessful, and the average settlement time.
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Frequently asked questions
Does Route 31 support FedNow?
This hasn't been confirmed. Route 31 does not currently appear in Federal Reserve's FedNow participant list, and no community reports have confirmed this rail for this bank yet.
Does Route 31 support RTP?
Yes. Route 31 appears in The Clearing House's RTP participant list, confirmed July 9, 2026.
Does Route 31 support Zelle?
This hasn't been confirmed. Route 31 does not currently appear in Zelle's partner directory, and no community reports have confirmed this rail for this bank yet. Zelle's own directory is known to be incomplete — a missing badge doesn't confirm a bank lacks support, only that it isn't listed there.
Does Route 31 have early direct deposit (EDD) evidence?
No early direct deposit evidence has been reported for Route 31 yet.