What You Should Know
Cut-off times, fee structures, required information, and fraud safeguards — all in one place.
Domestic Wire Transfers: Fast and Direct
A domestic wire moves funds from your SCU account to any U.S. bank or credit union, typically arriving the same business day when submitted before the 3:00 p.m. Central cut-off. You will need the recipient's name, bank name, ABA routing number, and account number.
Domestic wires serve as the go-to tool for time-sensitive transactions: real estate closings, vehicle purchases from private sellers, large vendor payments, or any situation where a personal check or ACH transfer would introduce unacceptable delay.
International Wire Transfers: Reaching Across Borders
International wires require a SWIFT/BIC code — an 8 or 11 character identifier that directs funds to the correct financial institution anywhere in the world. Most international wires settle within one to three business days, though intermediary bank routing can extend this depending on the destination country.
In addition to the recipient's name and account number, you may need the receiving bank's physical address and an IBAN for transfers to Europe and certain other regions. Our wire specialists can help you gather the correct information before you initiate a transfer, reducing the risk of delays or rejections.
| Wire Type | Delivery Time | Fee (Outgoing) | Standard Limit | Requirements |
|---|---|---|---|---|
| Domestic — Standard | Same business day (before 3:00 p.m. CT cut-off) | $25 | $250,000 per day | Recipient name, bank, routing number, account number |
| Domestic — Recurring | Scheduled per your instructions | $20 per transfer | $100,000 per transfer | Pre-established recipient on file; standing wire agreement required |
| International — Standard | 1–3 business days (before 2:00 p.m. CT cut-off) | $45 | $100,000 per day | SWIFT/BIC code, recipient bank address, IBAN (for applicable countries) |
| International — Priority | 1 business day (before 11:00 a.m. CT cut-off) | $65 | $100,000 per day | Same as standard; priority routing surcharge applies |
| Incoming (domestic or international) | Credited upon receipt | No fee | N/A | Sender needs SCU routing number and your account number |
Fees are current as of June 2026 and are subject to change. Intermediary bank fees for international wires may be deducted by correspondent banks and are beyond SCU's control. Limits may be adjusted based on account history and relationship.
Initiating a Wire Transfer
Log into online banking and navigate to the Wire Transfer section under Transfers, or visit a branch to complete a wire request form in person. For first-time wires to a new recipient, a verification callback is standard procedure — we will contact you at the phone number on file to confirm the details before releasing funds.
Business members with recurring wire needs can establish standing wire agreements that pre-authorize regular transfers to verified recipients, streamlining the process for routine payments.
For regulatory guidance on wire transfers and consumer protections, visit the Consumer Financial Protection Bureau for information on Regulation E and electronic fund transfer rights.