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With eWires, you can send or receive funds (bank-to-bank) electronically via Internet Banking from anywhere in the world. 

To send an eWires
  • Log onto “Internet Banking” click on “Payments”, then “eWires”
  • Click on the "Create a New Payment" link to create a wire transfer

Important information about sending and receiving a wire transfer
You can arrange for a wire transfer to be processed automatically with a standing order. A standing order is a recurring wire transfer sent to a pre-defined beneficiary for a pre-defined amount and pre-defined date. The frequency of this wire transfer may be weekly (by day of week), bi-monthly, monthly, quarterly, bi-annually or annually. A standing order is managed by the Wire Transfer Services on the member’s behalf and is administered solely through a Standing Order Request.

Please log onto Internet Banking, click on "Online Forms" and then complete a Standing Order. Standing orders that cannot be completed on the intended date due to insufficient funds are terminated after the first attempt. The standing order will be processed automatically on the next scheduled date.

We can send funds in currencies other than USD. However, we can only receive funds in USD. Major global currencies (e.g. Euro, Swiss Francs, Australian Dollars, Japanese Yen) as well as a number of more exotic currencies (e.g. Thai Bhat, South African Rand, Kenyan Shilling, Indian Rupees are available. For currency availability, please contact a member service representative.

Information about foreign exchange wires

We offer foreign exchange (FX) wires as a service to our members.  In order to minimize the cost of offering this service, UNFCU utilizes the services of a major external foreign exchange provider for currency purchases and for the clearing of the corresponding wire transfer.  This relationship allows members access to a preferential rate of exchange in the open currency market that would otherwise not be available to individual consumers sending lower-value amounts.  UNFCU does not add any additional margin to the rate that our provider offers at the time of contracting for a currency purchase, and UNFCU does not profit from the currency purchase booked on a member’s behalf to fund an outgoing wire.  In keeping with our mission to provide the widest reaching financial services with the lowest cost to members, UNFCU members sending wires in a currency other than USD receive the same rate of exchange that UNFCU would receive as a financial institution. 

On each requesting member’s behalf, UNFCU enters into a binding contract with its provider to purchase currency as spot two-day forward rates. That means that UNFCU purchases currency on the member’s behalf at the rate available at that moment in time with the expectation that the funds will be received by the intended beneficiary two business days later.  The currency market is continuously fluctuating and more advantageous rates may be applied when larger values of currency are purchased or when there is a noticeable intra-day fluctuation.  UNFCU’s provider sets the exchange rates in real-time and applies a minimal margin on the base rate of purchases of widely available and stable currencies (e.g. Euro, Swiss Francs, British Pounds, Canadian Dollars, Japanese Yen, etc.) because of the two-day forward settlement which leaves them with an element of exposure to offset the risk of noticeable fluctuation over the two-day settlement period.  The margin on more volatile currencies and/or currencies that are difficult to trade in the New York currency market may be increased to offset the additional risk to the currency provider during the two days between the currency purchase and receipt by the beneficiary bank.

Because of our strategic partnership that allows us to offer comprehensive FX wire services, UNFCU is unable to guarantee specific rate requests or rate preferences expressed by an individual member.

A foreign exchange wire transfer carries an element of financial risk due to fluctuation of the value of the currency. A USD wire sent outside the US also carries an element of risk. We cannot guarantee that the beneficiary will be able to receive USD if an international transfer is requested in that currency, because of the laws of some countries in which the beneficiary bank is located. If your transfer must be converted to the local currency, the beneficiary bank may charge a fee for this exchange. Regardless of the currency transferred, the actual amount that a beneficiary receives may be reduced by charges imposed by any intermediary bank, and/or the beneficiary bank, including any charges for exchanging currency.

If you are having funds wired to UNFCU, the following information is required:
UNFCU ABA number: 2260-7860-9
  1. Full member name and member number
  2. UNFCU Savings or Checking Account number to receive funds
  3. The purpose of your wire
Note that foreign currencies will be converted into USD before being deposited into your account.

If you are sending funds to someone else, the following information is required:
  1. The full name and account number of the beneficiary
  2. The required bank information of the beneficiary
If a foreign exchange wire transfer cannot be completed and is returned to UNFCU, the amount that is returned to your account may be less than the amount originally transferred because of service charges of the beneficiary bank and/or any intermediary bank. Returned wire transfers (whether due to inability to apply funds to beneficiary account or as per a member recall request) will be credited in USD at the exchange rate available to UNFCU on the date that the returned funds are received by UNFCU.

Send Quick tips for eWires
  • Please remember to enter letters without any special characters in eWires. Some examples of special characters no to be included are Hélène, Muñoz, Björn, Sanaâ, and Zoë-Maud
  • When entering telephone digits in the required fields as indicated, do not leave any spaces or include any dashes in-between the numerals; instead enter all of the digits in this manner: 12121231234
  • Also, create your beneficiaries before creating a new payment using the Create a New Beneficiary link
  • Note which passwords to use and when, as indicated on the Payment Description and Preview Payment screens
For charges and fees visit our  Schedule of Fees and Service Charges 

Helpful eWire Transfer Information