Send a wire or ACH transfer 

ACH transfers are free, and are only payable in US dollars to financial institutions in the United States. Wire transfers offer more flexibility for a fee. You can send both types of transfers in Digital Banking. 

Send a wire or ACH transfer

  1. Sign in to Digital Banking. 

  2. Under Transfers & Payments, select Wires & ACH. 

  3. Select Send Money. 

    Our system will automatically offer ACH as an option if your transfer qualifies. If you wish to send the money using an ACH transfer, confirm that the account you are sending the money to accepts this type of transfer. 

Required recipient information for a wire transfer

For each recipient, you will need to provide their: 

  • Bank account number, or International Bank Account Number (IBAN) if applicable for the destination country. The IBAN is an international standard for identifying bank accounts. It improves the speed and accuracy of your payment transactions. 
  • Full name as it appears on their account 
  • Mailing address 
  • Bank information 
    • For most cross-border transfers, provide the SWIFT code or BIC. Please check with the recipient’s bank. 
    • For USD transfers within the US and its territories, provide the ABA routing code, bank name, and address.  

When wiring US dollars (USD) to an account outside the US, confirm that the account accepts USD. Otherwise, the recipient's bank may convert the money to their local currency and apply a fee.


Set up a recurring transfer

When sending money, you will need to choose the UNFCU account that should be used for the transfer. On the same screen, you can check a box labeled Make this payment recurring. Once this box is selected, you will need to indicate how often you want the transfer to be processed.

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Video: Transferring money globally