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电汇

Transfer money across the country or around the globe.

请求转接1-800-621-2105

电汇

A safe way to send money cross-country or across the ocean.

电汇, also known as a bank wire or a bank wire transfer, is an electronic transfer from one credit union or bank to another. It’s an effective way to send money from your 元素 account directly into the account of someone else.

关键特性

  • Move funds safely, nothing gets lost in the mail
  • Domestic and international wire transfers available1
  • Schedule an outgoing wire transfer of funds or arrange for an incoming wire transfer from another bank or credit union

How do I arrange for an outgoing wire transfer?

A woman on the phone making an online purchase with her credit card

To arrange for a domestic or international wire transfer to an account at another credit union or bank, 请浏览 分支 或者打电话给我们 1-800-621-2105. To arrange the wire transfer, you will need to provide:

  • The recipient’s name, birth date, address with city/state/ZIP, and the receiving account number
  • The receiving financial institution’s name, 分支 address with city/state/ZIP/county, ABA 路由# or Bank ID/National ID and/or SWIFT
  • Additional information may be requested depending on the circumstances of your wire

Outgoing domestic wire transfers are $25 each. Outgoing international wire transfers are $45 each.

For fee information related to our wire services, please review our current 费用表.

Call to 请求转接1-800-621-2105

What information do I need to provide for an incoming wire transfer?

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To ensure an incoming wire transfer credits to your account:

  • Have the desired amount wired directly to: 利记app官网 Federal Credit Union, 东南街225号,300套房, 印第安纳波利斯,46202
  • Provide the 利记app官网’s ABA 路由号码: 274073834
  • Provide your name and account number (Note: Be sure to provide your specific savings or checking account number, 而不是元素成员号)

There is no fee for an incoming wire transfer.

How much does it cost to send a wire transfer?

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Outgoing domestic wire transfer: $25 each 

Outgoing international wire transfer: $45 each

入站电汇:不收费

 

For fee information related to our wire services, please review our current 费用表.

What’s the difference between a wire transfer and an ACH payment?

电汇 is an electronic payment that occurs between two banks. The payments do not have to go through a clearinghouse, so the payment can happen immediately. They are often used for large payments so that the seller is confident they will receive their money.

An ACH payment stands for automated clearinghouse payment. 在这种情况下, the funds move from one bank to another financial institution, but this time they go through a clearinghouse to process them. The clearinghouse moves all payments at the same time, and then the receiving financial institution processes them to get to the proper accounts. This method can take one to three days for funds to transfer.

主要区别如下:

  • Wire transfers are immediate; ACH transfers take a few days
  • Wire transfers require a fee; ACH do not or cost less
  • Wire transfers are initiated and processed by financial institutions; ACH payment process automatically
  • ACH支付可以更安全
  • For wire transfers, only the sender can initiate the transfer

Read more frequently asked questions about wire transfers…

What is 利记app官网’s SWIFT code? 

利记app官网 does not have a SWIFT code. We have a routing number, 274073834. 

Do you accept international wire transfers?

All international wires must come via a United States bank and be directed to our administrative address: 利记app官网 Federal Credit Union, 东南街225号; 300套房, 印第安纳波利斯,46202

What is an IBAN, and is it required for international transfers at 利记app官网?

The International Bank Account Number (IBAN) is an international standard of identifying bank accounts across national borders with a minimal risk of propagating transcription errors. The IBAN varies by country/institution. Only the bank servicing an account can provide the correct IBAN of that account and it must be obtained from the recipient of the wire. An IBAN is required for beneficiary accounts in Europe and other countries around the world.

  1. 可能需要支付费用.