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Transfers

Secure. Fast. Low fees.

On this page:

Send money to the people you trust and make payments with ease using Digital Banking. Have peace of mind knowing that your money transfer is delivered securely and reliably. We offer a variety of transfer services to best serve your needs.  

Multi-currency transfers

Wires

Transfer money to your trusted contacts around the globe with no hidden fees.

Mobile money

Send local currency to family and friends in select countries at low cost. 

Foreign currency1

Easily set up an ID to transfer euros to your UNFCU account without any UNFCU fees. 

USD transfers

Wires

Transfer money to your trusted contacts around the globe with no hidden fees. 

ACH

Transfer money to contacts and businesses with US accounts for free.2

Zelle®

Quickly send money to contacts you trust who have an account at a US financial institution.

External

Move money for free between accounts you own in the US.

To another UNFCU member

Transfer money to another UNFCU member for free.  

Between your UNFCU accounts

Move money between your UNFCU savings and checking accounts.

Choose the right transfer for you

Available for wire transfers

 

Maximum amount per transfer

Available for wire transfers

$1,000,000

UNFCU fees

Available for wire transfers

You will view an estimated fee before finalizing your transfer

Delivery time

Available for wire transfers

Within one business day3

Currency

Available for wire transfers

Multiple currencies

Transfer globally

Available for wire transfers

All countries permitted by US law and regulations

Send from

Available for wire transfers

UNFCU checking and savings

Available for ACH transfers

 

Maximum amount per transfer

Available for ACH transfers

$25,000

UNFCU fees

Available for ACH transfers

$02

Delivery time

Available for ACH transfers

One to three business days2

Currency

Available for ACH transfers

USD only

Transfer globally

Available for ACH transfers

US only

Send from

Available for ACH transfers

UNFCU checking only

Available for Zelle® transfers

 

Maximum amount per transfer

Available for Zelle® transfers

$750

UNFCU fees

Available for Zelle® transfers

$0

Delivery time

Available for Zelle® transfers

Minutes4

Currency

Available for Zelle® transfers

USD only

Transfer globally

Available for Zelle® transfers

US only

Send from

Available for Zelle® transfers

UNFCU checking only

Available for mobile money transfers

 

Maximum amount per transfer

Available for mobile money transfers

Varies by country and mobile money carrier

UNFCU fees

Available for mobile money transfers

$1–$4

Delivery time

Available for mobile money transfers

Within one business day3

Currency

Available for mobile money transfers

Multiple currencies

Transfer globally

Available for mobile money transfers

Select countries

Send from

Available for mobile money transfers

UNFCU checking and savings

Available for foreign currency transfers

Available for foreign currency transfers

 

Maximum amount per transfer

Available for foreign currency transfers

$1,000,000

UNFCU fees

Available for foreign currency transfers

$0

Delivery time

Available for foreign currency transfers

Within one business day3

Currency

Available for foreign currency transfers

Euros to USD only

Transfer globally

Available for foreign currency transfers

From SEPA countries only

Deposit to

Available for foreign currency transfers

UNFCU checking and savings

Available for external transfers

 

Maximum amount per transfer

Available for external transfers

$25,0005

UNFCU fees

Available for external transfers

$0

Delivery time

Available for external transfers

One to three business days6

Currency

Available for external transfers

USD only

Transfer globally

Available for external transfers

US only

Send from

Available for external transfers

Non-UNFCU or UNFCU checking and savings

Top transfers FAQs

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. 

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.

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).

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

More resources to help you transfer money

Visit the Help Center
Transfers

Video: Transferring money globally

Transfers

Video: Transferring money to US accounts for free

Transfers

Cancel a recurring ACH or wire transfer 

Transfers

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