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Transfers FAQs

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Wire & ACH

ACH transfers are free when initiated on Digital Banking but are only payable in US dollars to financial institutions in the United States. Wire transfers offer more flexibility for a fee. Compare transfers to learn more.

You can schedule transfers up to one year in advance.

If your wire or ACH transfer instructions were submitted via Digital Banking, check the status. Under Transfers & Payments, select Wires & ACH. If it indicates that the transfer was processed, you can select the Receipt button to view your payment instructions. An advice with all the details of your wire transfer will be available at the end of the business day.

Submit an amendment if you want to add information to your original transfer instructions. You can also use it to update incorrect recipient information. You can submit an amendment by visiting a UNFCU branch or representative office, or by emailing us at

Submit an amendment as soon as you notice a discrepancy. This will ensure timely processing of your transfer. It will also mitigate any additional fees from the recipient's and/or intermediary banks. It is not guaranteed that an amendment can be completed on all wire transfers. You will be notified by email if your amendment request cannot be completed.

No, we do not.

UNFCU does not have a SWIFT code because UNFCU is not directly connected to the SWIFT network. UNFCU’s registered BIC is UNUNUS31. This code can be used for identification purposes only. Payments with only a BIC will not be delivered to UNFCU. 

UNFCU does not charge for money you receive via incoming wire transfers. UNFCU’s ABA number and your account number must be included for UNFCU to receive the transfer. 

The recipient’s bank must have a valid SWIFT code with 8 or 11 characters. If the code has an ‘xxx’ at the end, please remove the ‘xxx’ and try again. If you continue to have issues, contact a member service representative.

All incoming wire transfers are converted to USD before reaching UNFCU, and ultimately a member's account.

The sending institution will select the US correspondent bank of their choosing. UNFCU can receive funds from any institution in the US that is a member of the Federal Reserve Wire Network.

You will have the option to use a free ACH transfer if: 

  • You are using Digital Banking to send $25,000 or less in US dollars from your UNFCU checking account, and 
  • You are transferring the money to an account at another financial institution in the US, and 
  • You have not already transferred $125,000 or more on the same day. 

UNFCU may permit transfers in excess of these limits from time to time. This will be based on UNFCU’s loss experience, security issues, and other factors. UNFCU also may deny or limit specific transfers if we have any reason to question the authorization for, or security of, the transaction. UNFCU may also set individual lower limits on a member’s account(s). This will be based on internal risk criteria including, but not limited to, length of membership.

ACH transfers made in Digital Banking are free. A fee is charged for requests submitted in person.

If your transfer is processed as an ACH, it will take up to three business days. The funds will be placed on hold and will not be accessible to you while the request is processed. 

Money wired within the US and its territories will reach the recipient in one business day, calculated from the date that the wire is sent from UNFCU. For all other locations, the length of time will depend on the recipient's banking operations and any intermediary banks needed to complete the transfer.

Processing times are subject to our terms and conditions (PDF)

If wiring money using Digital Banking, the estimated arrival date will be stated on the payment receipt. You can view the receipt from the Activity tab. You can also view ‘advices’ from the same tab at the end of the business day. An ‘advice’ has all the details related to your wire transfer. 

For wires sent from a UNFCU branch or representative office, please request the estimated arrival date. The member service representative handling your wire request can provide this information. 

Wire and ACH transfer instructions can be made via Digital Banking or in person. As a security measure, we do not accept instructions by phone or email.

Not at this time. If the recipient’s name includes a special character, you can replace it with the equivalent standard character. For example, if the recipient is named Muñoz, you can enter Munoz.

No, you need to have enough money in your account to cover the transfer and associated fees.

Foreign currency transfer ID

As a security measure and for our compliance requirements, UNFCU may contact you for additional information. Remember that UNFCU will never ask for your Digital Banking login credentials.

Foreign currency transfers are processed through UNFCU’s partnership with correspondent banks. Although we provide our members with a foreign currency transfer ID to facilitate such transfers, each bank has its own processing guidelines. Some local banks impose their own fees. As a result, the timing and costs of the transfers may vary.

You may create one foreign currency transfer ID for each local currency. We currently offer this service for euros (EUR). We plan to expand to additional currencies in 2024.

Transfers are usually credited to your account within one business day. Occasionally, transfers may be delayed due to the correspondent bank's processing guidelines.  

If you do not see the amount credited within one business day, please contact us.

UNFCU does not charge any fees for foreign currency transfers. Your local bank or the correspondent bank may charge a fee.

Your foreign currency transfer ID is strictly for your use only to transfer money between your own personal accounts. To send money to or receive money from a third party or business account, view all of the options we offer

Please refer to our Terms and Conditions (PDF) for additional information. Violation of these Terms may result in the cancellation of your foreign currency transfer ID. 

Please contact us for help. 

Please contact us for help. 


Zelle® is a fast, safe, and easy way to send and receive money between you and people you know and trust. To send money with Zelle®, UNFCU members need a UNFCU checking account, an email address, and a US mobile number. The recipient or sender will need a deposit account with a US financial institution, and an email address or a US mobile number.

Keeping your money and information safe is a top priority for UNFCU. When you use Zelle® within Digital Banking, your information is protected with the same technology we use to keep your UNFCU account safe.

Zelle® is a great way to send money to family, friends, and contacts you know and trust. This can include people like your personal trainer, babysitter, or neighbor. Everyone who uses Zelle® needs a checking or savings account at a US-based credit union or bank. 

Money is sent directly from your UNFCU account to your contact’s bank account, typically within minutes.1 Do not use Zelle® if you do not know the recipient or are not sure you will get what you paid for (for example, items bought from an online bidding or sales site). These transactions are potentially high risk — just like sending cash to a person you don’t know is high risk. 

Neither UNFCU nor Zelle® offers purchase protection for payments made with Zelle® — for example, if you do not receive the item you paid for or the item is not as described or as you expected. Payments sent to someone who is already enrolled cannot be canceled. If you sent money to the wrong person, please immediately contact us so we can try to help you.

Some small businesses in the US are able to receive payments with Zelle®. Ask your favorite small business if they accept payments with Zelle®. If they do, you can pay them directly from your UNFCU Digital Banking mobile app. Just use their email address or US mobile number. 

Only send money to individuals and businesses you trust. Neither UNFCU nor Zelle® offers a protection program for any authorized payments made with Zelle®. Also, always ensure you have used the correct email address or US mobile number when sending money.

In order to use Zelle®, the sender and recipient’s credit union or bank accounts need to be based in the US (does not include US territories).

You can only cancel a payment if the person you sent money to has not yet enrolled with Zelle®. If the person you sent money to has already enrolled with Zelle®, the money is sent directly to their bank account. These payments cannot be canceled. It is important to only send money to people you trust. Always ensure you use the correct email address or US mobile number when sending money. If you sent money to the wrong person, please immediately contact us so we can try to help you. 

No, UNFCU does not charge any fees to use Zelle® in Digital Banking. Your mobile carrier’s messaging and data rates may apply.

The amount of money you can send, as well as the frequency, is set by each participating financial institution. At UNFCU, the limit for daily sends with Zelle® is $750. 

There are no limits to the amount of money you can receive with Zelle®. However, remember that each participating financial institution sets send limits. The person sending you money will most likely have limits on the amount of money they can send you.

View a list of participating financial institutions live with Zelle®

Do not worry if your recipient's bank or credit union is not on the list. The list of participating financial institutions is always growing. Your recipient can still use Zelle® by downloading the Zelle® app for Android and iOS. 

Your recipient can enroll with the Zelle® app using their: 

  • Basic contact information 
  • Email address and US mobile number 
  • Visa® or Mastercard® debit card with a US-based account (does not include US territories) 

Zelle® does not accept debit cards associated with deposit accounts outside the US or any credit cards. 

You can send, request, or receive money with Zelle®. To get started: 

  • Sign in to Digital Banking
  • Under Transfers & Payments, select BillPay & Zelle®
  • Select Zelle®. On the desktop version, you will first need to select What else can I do?

Some common reasons why a mobile phone number or email address cannot be used include: 

  • The email address or US mobile phone number could not be confirmed by Zelle®. 
  • The phone number is currently listed as a landline or Voice over Internet Protocol (VoIP) number. 
  • The US mobile phone number is not listed with a US mobile carrier. 
  • The phone number is an international number. 

You can select a different US mobile phone number or email address, or contact us for help. 

Your mobile number or email address may already be enrolled with a bank or credit union that offers Zelle®. 

In order to enroll with a different bank or credit union, or in the Zelle® app, your mobile number or email address must be removed from where it was initially enrolled. To do so, contact the customer support team of where you initially enrolled and ask to remove your mobile number or email address. If you aren’t sure where you initially enrolled, contact Zelle® customer support at 844-428-8542 or get in touch at 

Once completed, you may now enroll that mobile number or email address and start sending and receiving money with Zelle®. 

UNFCU replaced Popmoney with Zelle® in Digital Banking on 15 November 2022. With Zelle®, you can still quickly send money to and request money from people you know and trust with an account at a US credit union or bank. UNFCU's daily send limit with Zelle® is $750. To send more than this amount to someone you know with an account at a US credit union or bank, easily set up free ACH transfers in Digital Banking. 

If you previously used Popmoney, you can get started with Zelle® by: 

  • Reviewing any scheduled Popmoney payments 
  • Notifying contacts you will no longer be using Popmoney 
  • Asking your trusted contacts to enroll with Zelle® 
  • Notifying anyone who sends you payments to start using Zelle® instead

If you sent money to the wrong person, please immediately contact us so that we can try to help you. Please be aware that neither UNFCU nor Zelle® offers purchase protection for payments made with Zelle® — for example, if you do not receive the item you paid for or the item is not as described or as you expected. Payments sent to someone who is already enrolled cannot be canceled. For these reasons, it is important to: 

  • Only send money to people you trust. 
  • Ensure that you have entered the recipient’s contact information correctly.