Wire transfers are a secure way to send money to anywhere you need.
A wire transfer is a type of electronic payment for transferring funds between financial institutions by wire through the Federal Reserve, the Society for Worldwide Interbank Financial Telecommunications (SWIFT) network or the Clearing House Interbank Payment System (CHIPS).
How to send a wire
You request a wire transfer either in a branch or by giving us a call at (800) 452-9515.
To send a wire within the U.S., you need:
- Beneficiary name (person or company to whom the wire is being sent)
- Beneficiary physical address
- Beneficiary account number
- Beneficiary bank name and routing number
- Intermediary bank name and routing number
Note: If the beneficiary bank is unable to accept a wire directly and requires the use of a correspondent/intermediary bank, then the bank name and routing number of this institution will also be necessary.
To send a wire transfer internationally, you need:
- Beneficiary name (person or company to whom the wire is being sent)
- Beneficiary physical address
- Beneficiary account number
- Beneficiary bank name and SWIFT code
- Intermediary/Correspondent U.S. bank name and ABA routing number
How to receive a wire
To receive a domestic or international wire to your NWCU account, the sender needs this information:
- Beneficiary financial institution info (see below)
- Beneficiary name on account
- Beneficiary account number
- Member physical address
NWCU's information: ABA Routing # 323276524 Northwest Community Credit Union 545 E 8th Ave. Eugene, OR 97401
If your financial institution requests the "short name", use NW COMM CU EUGENE.
Note: NWCU does not have a SWIFT code. The international sending bank will need to use a US Correspondent Bank to send the funds to our institution. We do not use a specific institution as the correspondent bank. The correspondent bank used will be determined by the international bank sending the funds.
Important information about wires
Wire requests must be submitted by 2:30 PM in order to be processed the same day. If your wire requires additional review, it may not go out the same day.
Domestic wires should be received within 1 business day; international wires should be received within 2 - 3 business days.
What if a wire hasn't been received?
If it’s been more than 2 - 3 business days, and your beneficiary is stating that they did not receive the wire, please call us in to obtain the IMAD confirmation number, which can be provided to the receiving institution to locate the wire. If further research is required, we can contact the receiving institution via a service message.
If you haven't received a wire, double check with the sender that they used the correct information, and have them contact their institution to research further.