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How to Initiate a Wire Transfer (Domestic and Internationally)

Domestic Wires

Wire transfers must be initiated through one of the Credit Union’s branches. The following information is required to initiate a request:

1. Name of the financial institution receiving the funds

2. Street address of the financial institution receiving the funds

3. The ABA Routing Number of the financial institution receiving the funds

4. Name of the individual receiving the funds (Beneficiary)

5. Account number of the individual receiving the funds (Beneficiary)

6. Street address of the individual receiving the funds (Beneficiary)

7. Reference: This can be a description or reason for the transfer

8. Amount of the wire

Fee information:

You will be assessed an outgoing Domestic Wire Transfer fee of $12.00 (Increases to $20* in 2014)

*2014 Cost of Recovery Schedule of Fee Link

Identification:

The Wire Transfer shall be verified by signature and a copy of a California Drivers License (CDL)

International Wires:

Wire transfers must be initiated through one of the Credit Union’s branches. The following information is required to initiate a request:

1. Name of the financial institution receiving the funds (U.S. Intermediary Bank)

2. Street address of the financial institution receiving the funds (U.S. Intermediary Bank)

3. The ABA Routing Number of the financial institution receiving the funds (U.S. Intermediary Bank)

4. Name of the individual receiving the funds (Beneficiary)

5. Account number of the individual receiving the funds (Beneficiary)

6. Street address of the individual receiving the funds (Beneficiary)

7. Name of the financial institution receiving the funds (International Bank)

8. Street address of the financial institution receiving the funds (International Bank)

9. Bank SWIFT Code of the financial institution receiving the funds (International Bank)

10. Reference: This can be a description or reason for the transfer

11. Amount of the wire

Fee information:

You will be assessed an International Wire Transfer fee of $25.00 (Increases to $40* in 2014)

*2014 Cost of Recovery Schedule of Fee Link

Identification:

The Wire Transfer shall be verified by signature and a copy of a California Drivers License (CDL)

If member initiating the wire is also the beneficiary to funds, the wire can be requested by phone or fax and signature and CDL will not be required. The Credit Union will use alternate identification methods before processing the request.

Routing Numbers

A routing transit number RTN) is a nine digit bank code, used in the United States, which appears on the bottom of negotiable instruments such as checks identifying the financial institution on which it was drawn. This code was designed to facilitate the sorting, bundling, and shipment of paper checks back to the drawer's (check writer's) account.
The RTN is also used by Federal Reserve Banks to process Fewire funds transfers, and by the Automated Clearing House to process direct deposits, bill payments, and other such automated transfers.
The RTN number is derived from the bank's transit number originated by the American Bankers Association, which designed it in 1910.
To find an institution’s RTN, you can visit www.routingnumbers.org/ and search by institution.

RTNs can also be found at the bottom of a paper check.

CheckAcctRoutingNumHelp.jpg

 

SWIFT Codes

SWIFT Code is a standard format of Business Identifier Codes approved by the International Organization for Standardization (ISO). It is a unique identification code for both financial and non-financial institutions. (When assigned to a non-financial institution, a code may also be known as a Business Entity Identifier or BEI. These codes are used when transferring money between banks, particularly for international wire transfers, and also for the exchange of other messages between banks. The codes can sometimes be found on account statements.
The SWIFT Code is 8 or 11 characters, made up of:

  • 4 letters: Institution Code or bank code.
  • 2 letters: ISO 3166-1 alpha-2 country code
  • 2 letters or digits: location code
    • if the second character is "0", then it is typically a test BIC as opposed to a BIC used on the live network.
    • if the second character is "1", then it denotes a passive participant in the SWIFT network
    • if the second character is "2", then it typically indicates a reverse billing BIC, where the recipient pays for the message
      as opposed to the more usual mode whereby the sender pays for the message.
  • 3 letters or digits: branch code, optional ('XXX' for primary office)

Where an 8-digit code is given, it may be assumed that it refers to the primary office.

To find an institution’s SWIFT Code, you can visit www.theswiftcodes.com/

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