wire transfer

get your money there fast, easy, and secure

by requesting a wire transfer

You can make a wire transfer four different ways. Just make sure you have your account password and driver’s license or other government-issued photo ID ready.

Request a Wire Transfer in person: Visit a branch location
Call: (888) 982-1400
Send a secure message: Log in to Digital Banking and send a message to Member Service
Drop it in the mail: PO Box 125, St Joseph, MI 49085

Don’t forget to take a look at our Fee Schedule.

Checklist for sending a domestic wire:

Your Information	Payee Information	Transfer Information	Receiving Financial Institution Information
Name Account Number Address (no PO Box allowed) Email Address	Name Account Number Account Type (checking, savings, other) Address for wires over $3,000 (no PO Boxes)	Transfer Amount Additional Wire Instructions Date to Transfer	Bank Name & Address Routing Number (ABA)

Checklist for sending an international wire:

Your Information	Payee Information	Transfer Information	Receiving Financial Institution Information
Name Account Number Address (no PO Box allowed) Email Address	Name Account Number Account Type (checking, savings, other) Address for wires over $3,000 (no PO Boxes)	Transfer Amount Currency Funds are to be Received In Additional Wiring Instructions Date to Transfer	Bank Name & Address Bank Country SWIFT code Intermediary Bank SWIFT code

Receive a Wire Transfer

United is part of the Fedwire Network - and that means receiving money is easy. Just send your wire to:

United Federal Credit Union
Routing # (ABA): 272484894
SWIFT code (if requested): UFCUUS33XXX

Any money coming in is processed when we get it and posted to accounts the same day if sent over before 4:45 pm ET. Money sent over after 4:45 pm will be posted the next business day.

The member is responsible for providing correct information, including routing numbers, swift codes, and bank names before we send out a wire. United Federal Credit Union only verifies the routing number on the Federal Reserve website.

Requests for wire transfers must be received with all wire instructions complete by 4:00pm EST for members west of Mississippi and 3:30pm EST for all other locations.