Transfers

Secure. Fast. Low fees.

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.

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 (US)	Available for wire transfers Within one business day³
Delivery time (outside the US)	Available for wire transfers Subject to intermediary and recipient banks' requirements and conditions³
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
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 EUR and/or GBP to USD only
Transfer globally	Available for foreign currency transfers EUR: From SEPA countries only GBP: From the United Kingdom 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

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.

Four individuals around a table with a tablet.

Have questions?

We have answers. Explore all the ways to connect with us.

Disclosures

The foreign currency transfer service is available within select regions. Members with EUR-denominated accounts in countries within the Single Euro Payments Area (SEPA) may use the service to transfer euros. Members with GBP-denominated accounts within the United Kingdom may use the service to transfer pounds sterling.
ACH transfers are free when you use Digital Banking. View in-person transfer fees. For an ACH transfer, a checking account is required. The money you send will reach your recipient within three business days and will be on hold and not accessible to you, from the date of your request. View our ACH Agreement (PDF).
Processing times are subject to our terms and conditions. For transfers outside of the US, the length of time will depend on the recipient’s banking operations and any intermediary banks needed to complete the transfer.
US checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and do not incur transaction fees at UNFCU. To use Zelle® at UNFCU, you will need to have a UNFCU checking account.
UNFCU may also set individual lower limits on a member's account(s) based on internal risk criteria. This includes but is not limited to length of membership.
View our External Transfer Service Agreement (PDF).

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Secure. Fast. Low fees.

Multi-currency transfers

USD transfers

Choose the right transfer for you

Top transfers FAQs

More resources to help you transfer money

Have questions?

Secure. Fast. Low fees.

Multi-currency transfers

Wires

Mobile money

Foreign currency1

USD transfers

Wires

ACH

Zelle®

External

To another UNFCU member

Between your UNFCU accounts

Choose the right transfer for you

Top transfers FAQs

What is UNFCU’s SWIFT code / BIC for receiving wires?

What is an ACH transfer and how is it different from a wire transfer?

How far in advance can I schedule a future transfer using Digital Banking?

Can I use Zelle® outside of the US?

Does UNFCU accept wire transfers in a foreign currency?

More resources to help you transfer money

Create & use a foreign currency transfer ID

Receive an incoming wire transfer

Cancel a recurring ACH or wire transfer

Initiate an investigation

Have questions?

Foreign currency¹