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Money Wires

Money Wires

Reviews

Overnight funds transfer from your DCU account to another financial institution.

Money Wire Features

  • Fast and secure transfers to other institutions
  • Send funds to domestic or foreign payees
  • Easy online ordering through Online Banking
  • Reasonable fees

What are Money Wires? 

Money wires (or wire transfers) are a fast, safe way to move money between accounts at different financial institutions.  

How to order a Domestic Wire

  1. Online – Log into Online Banking, go to Account Manager and choose Payments/Transfers.
  2. By Phone – Call the Information Center at 800.328.8797.
  3. At any DCU branch

How to order an International Wire

  • Online – Log into Online Banking, go to Account Manager and choose Payments/Transfers. If you do not have access to a computer, you can visit the Internet Café at many of our branches.

To send a wire, we'll need:

  1. The Prime member's name, your name – if you're not the Prime member, your member number, and the residential address.
  2. The account (suffix) number of the account from which the funds will be sent. Your member number is the umbrella number for your whole DCU relationship. Your account number is the one or two digit number found on your statement for each of your checking, savings, certificate, or loan accounts.
  3. The name and address of the receiving bank.
  4. The receiving bank's 9 digit ABA number for Domestic Wires.
  5. The receiving bank's Swift Code for International Wires. Please be advised International Wires have different requirements, dependent on country. The list of requirements are available to you in Account Manager.
  6. The account number the money is going to and the full name and address of the person on that account.

To speed processing of your request, we prefer you log into Online Banking and submit your request online using our secure wire transfer form located under Account Manager in the Payments/Transfers tab.

To receive a wire, the sending institution will need:

  1. Our ABA number – 211391825.
  2. Your name/name on account.
  3. Your account number.
    • Your member number for deposit into your savings account, or
    • Your checking account number. We refer to this number as the SDC (cross reference) number and it is the 8-digit number at the bottom of your check.

DCU does not participate in the Swift Network and therefore does not have a Swift Code or IBAN. If you are receiving funds from a foreign country, the originating institution will need to send the funds through an intermediary institution. It is up to the origination institution as to what intermediary institution they use, as DCU has no affiliation with any other institutions. Please contact the originating institution for their wiring instructions. Please be advised additional fees may be charged by the intermediary bank due to contractual agreements. DCU has no prior knowledge of these fees and is not responsible for them.

What you can expect:

Transfer Fee
Incoming Wire Transfers FREE
Outgoing Wire Transfer: 
Domestic
$15.00
Outgoing Wire Transfer: 
International Sent in Foreign Currency
$40.00
Outgoing Wire Transfer: 
International Sent in US Currency
$50.00

Additional fees may be charged by the receiving institution

Domestic Wires

Wire Received and Verified Wire Processed
Before 2:00 pm EST Same business day
After 2:00 pm EST Next business day

International Wires

Wire Received and Verified Wire Processed
Before 12:00 pm EST Same business day
After 12:00 pm EST Next business day

Arrival times may vary, especially for foreign wires. If additional information or verification is needed, a DCU Wires Team Member will contact you using the information we have on file. If we are unable to reach you, there will be a delay in the processing of your wire. After 5 business days, your wire request will be voided.

For a complete listing of all of DCU’s fees and service charges, please see the Schedule of Fees and Service Charges (or as a printable pdf).

What Our Members Are Saying

Very economical and easy steps.

RATINGS 5 5 / 5 stars

I have been using product from last 5 years. It is very economical and easy steps in online.

Satish Vatrapu – Greenville, SC

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Good features and easy to use.

RATINGS 5 5 / 5 stars

Best service, best interest rates, state of the art online services. Everything one looks for a Bank - except SWIFT number.

International Business – Nashua, NH

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Love this option

RATINGS 5 5 / 5 stars

It makes transferring money from DCU to another account a breeze.

DLK – Phoenix, AZ

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Resources

  • Schedule of Fees and Service Charges –  Fees for wire transfers are outlined. Direct deposit, and pre-authorized transfers (ACH) are free.
  • Funds Availability Policy (HTML) –  This covers DCU's policies regarding holds on deposits.
  • Electronic Services Disclosure (.pdf format, 11 pages) –  This covers disclosures related to DCU electronic services such as Debit Cards, ATM Cards, Online Banking, and Easy Touch Telephone Teller system.

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