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Help & Guidance

Transfers

Wire transfers

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

Choose to send money in almost any currency to contacts you trust around the globe.1 Also receive money from other financial institutions at no charge from UNFCU.

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Global

Send in various currencies to destinations around the world.1 Also receive money, deposited in USD.

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No hidden UNFCU fees

View an estimate of the fees and rates you will incur from UNFCU before sending. For transfers in non-USD2, view the exchange rate sourced from our partners.

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Choose your account

Send wires from (and receive wires to) your checking or savings account.

How to send an outgoing wire transfer

Send a wire transfer

  1. Sign in to Digital Banking.

    You can also meet with us in person at a branch or representative office to initiate a transfer.

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

  3. Select Send Money.

    Depending on the destination, your money can be sent as a wire transfer, an ACH transfer, or a mobile money transfer. Our system will help you decide.

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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 number, bank name, and address.

When sending money to an account outside of the US, make sure the receiving account can accept the currency that you are sending. Otherwise, the recipient’s bank may convert the money to their local currency and apply a fee.

How to receive an incoming wire transfer

To receive money in your UNFCU account from another financial institution, provide the following information to the sender: 

  • UNFCU’s ABA number: 226078609
    • If the financial institution sending the money requires a SWIFT code or BIC:
      • 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.
  • Your full name
  • Your UNFCU account number without dashes or spaces (you do not need to provide your member number)
  • The purpose of the wire
  • UNFCU’s address:
    • Court Square Place, 24–01 44th Road, Long Island City, NY 11101 USA

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.

If you want to send euros to be deposited to your UNFCU account in USD, a foreign currency transfer may be a faster and more cost-effective option.

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Quick tip

UNFCU only accepts deposits in USD. Any transfers sent in another currency must be converted to USD. The conversion will be done either by the financial institution sending the money, or by their partners involved in the transfer. They may apply a fee for the conversion.

Top wire transfer 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. 

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.

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

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.

View all wire transfer FAQs

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Use your checking account to avoid fees

Send money from your checking account if you plan to make more than six transfers in a month. This way, you will not incur excessive transaction fees that apply to these transfers from a savings account.

Learn more

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More ways to transfer

Discover more options to fit your country, currency, speed, and cost needs.

View all transfer options

Disclosures

  1. Money can be transferred to all countries permitted under US laws and regulations. View our account restrictions.
  2. You should confirm with the recipient's bank that they can accept money in the currency you are sending. If a wire transfer request in non-USD is returned to UNFCU, the amount that is returned to your account may be less than the amount originally transferred. This is because the recipient's bank and/or any intermediary bank may have applied service and/or currency conversion charges. Returned wire transfers will be credited in USD. We will use the exchange rate on the date that the funds are returned to UNFCU by the other bank.