Wire & Money Transfer Services Move Money with Confidence
Send domestic and international wire transfers, schedule ACH payments, and move money securely through Servus Credit Union — with transparent fees, clear timelines, and SWIFT network access.
Send domestic and international wire transfers, schedule ACH payments, and move money securely through Servus Credit Union — with transparent fees, clear timelines, and SWIFT network access.
When you need to move money — paying a supplier overseas, closing on a property, sending funds to a family member — the method matters. Speed, cost, and destination determine whether a domestic wire, international wire, or ACH transfer is the right choice. Servus Credit Union supports all three, with wire initiation available through online banking and the mobile app, transparent fee schedules, and clearly communicated processing timelines so you know when your funds will arrive.
Domestic wires move funds between U.S. financial institutions through the Federal Reserve Wire Network (Fedwire). A domestic wire from Servus CU submitted before the 3:00 PM Eastern cutoff typically arrives at the recipient's bank within a few hours the same business day. Wires submitted after the cutoff process the next business day. Outgoing domestic wires cost $15 for personal accounts and $10 for commercial checking accounts; premium commercial accounts receive five free outgoing domestic wires per statement cycle. Incoming domestic wires carry a $5 receiving fee for personal accounts and are free for commercial accounts. To send a domestic wire, you need the recipient's name, their bank's name, the bank's ABA routing number, the recipient's account number, and the dollar amount. Wire instructions can be entered through online banking or the mobile app; wires above $10,000 require additional identity verification as part of the credit union's anti-fraud protocols. Wire history is stored in your transaction history alongside other transfers.
International wires use the SWIFT network to route funds across borders. Servus CU can send wires to over 200 countries and territories in the recipient's local currency or in U.S. dollars. Outgoing international wires cost $35 for personal accounts and $25 for commercial accounts. Incoming international wires carry a $10 receiving fee plus any intermediary bank charges, which are deducted from the received amount before it lands in your account. International wires submitted before the 2:00 PM Eastern cutoff are transmitted the same day, with arrival typically within one to three business days depending on the destination country's banking infrastructure, currency conversion processing, and any intermediary banks in the payment chain. To send an international wire, you need the recipient's full name and physical address, their bank's name and full address, the SWIFT/BIC code (an 8- or 11-character identifier for the recipient's bank), and the IBAN (International Bank Account Number, used in most countries outside the U.S.) or the recipient's account number. Some countries require additional codes — a sort code for the UK, a BSB for Australia, a CLABE for Mexico, an IFSC for India. The Servus online banking wire-entry form prompts for the codes required by the destination country you select, so you are not guessing which fields to fill. Currency conversion rates are determined at the time the wire is processed and displayed in the confirmation screen before you submit.
ACH transfers move funds between U.S. accounts through the Automated Clearing House network, which processes payments in batches rather than individually like wire transfers. ACH is slower but significantly cheaper and is the right choice for non-urgent transfers. The standard ACH window delivers funds in one to three business days. Same-day ACH is available for an additional fee — $5 per same-day transfer — with submission cutoff times of 10:30 AM and 2:45 PM Eastern depending on the ACH processing window. ACH transfers between your Servus accounts and external accounts you have verified are free for standard delivery. The verification process uses micro-deposits — two small deposits under $0.50 are sent to the external account, and you confirm the amounts in online banking to prove ownership. Once verified, the external account appears as a transfer destination in your online banking and mobile app. Transfer limits vary by account type: new personal accounts are limited to $2,500 per day and $5,000 per month for external ACH transfers; limits increase to $5,000 per day and $20,000 per month after 90 days. Business accounts carry higher limits commensurate with business needs and can be adjusted by your relationship manager. For ACH rules and consumer protections, see consumerfinance.gov.
Wire transfers are irrevocable once sent, which makes them a target for fraud. Servus Credit Union employs several controls to protect outgoing wires: multi-factor authentication is required for wire initiation, wire recipients must be added and verified before a wire can be sent to them, wires above configurable dollar thresholds require secondary approval from another authorized user, and the credit union's fraud monitoring system flags wire requests to new recipients or destinations associated with elevated fraud risk. Before confirming a wire, the system displays a summary screen with all recipient details, the dollar amount, any fees, and the expected arrival window — review this screen carefully because errors in the recipient's bank details can cause delays, returns, or, in worst cases, loss of funds. If you receive an email or phone call directing you to wire funds to a supposedly updated account, verify the request independently by calling the recipient using a phone number you already have — not one provided in the suspicious message. Servus CU member support at (866) 445-7200 can place a hold on a wire if you catch the error before the cutoff time, but after transmission, recovery depends on the recipient bank's cooperation and is not guaranteed. For regulatory guidance on wire transfers, consult ncua.gov.
| Transfer Type | Speed | Cost (Outgoing) | Cost (Incoming) | Best For |
|---|---|---|---|---|
| Domestic Wire | Same business day (hours) | $10–$15 | $0–$5 | Urgent large transfers, real estate closings |
| International Wire (USD) | 1–3 business days | $25–$35 | $10 + intermediary fees | International business payments, family support |
| International Wire (Foreign Currency) | 1–3 business days | $35–$45 | $10 + intermediary fees | Sending in recipient's local currency |
| Standard ACH | 1–3 business days | Free | Free | Non-urgent transfers, recurring payments |
| Same-Day ACH | Same business day | $5 | N/A | Time-sensitive but not wire-urgent transfers |
Fees vary by account type. Cutoff times apply. International wires may incur currency conversion margin and intermediary bank charges beyond Servus CU's fees.
Servus Credit Union supports domestic wire transfers through the Federal Reserve Wire Network (Fedwire) and international wire transfers through the SWIFT network. Domestic wires move funds between U.S. financial institutions and typically arrive within hours on the same business day if submitted before the 3:00 PM Eastern cutoff. International wires can be sent to over 200 countries and territories, either in U.S. dollars or the recipient's local currency. The credit union also supports incoming wires from any domestic or international institution. Wire initiation is available through online banking and the mobile app for both personal and business accounts. For members who prefer in-person service, wires can also be initiated at any Servus CU branch. The wire-entry form prompts for all required fields based on the destination country you select, reducing errors that can delay or return a wire. Both domestic and international wire history is stored permanently in your online banking transaction records with confirmation numbers and status tracking.
An international wire requires the recipient's full legal name and physical address — not a P.O. box — and their bank's full name and street address. You need the SWIFT/BIC code, an 8- or 11-character alphanumeric code that uniquely identifies the recipient's bank in the SWIFT network. If the recipient is in a country that uses IBANs — most of Europe, the Middle East, and parts of Asia and Africa — you need the IBAN, which encodes the country, bank, and account number in a single string of up to 34 characters. For countries that do not use IBANs — the United States, Canada, Australia — you need the recipient's account number and, for some countries, additional routing codes: a sort code for the UK, a BSB for Australia, a CLABE for Mexico, an IFSC for India, a transit number for Canada. The Servus CU wire-entry form asks for the destination country first and then displays the fields required for that country. If the wire will pass through an intermediary bank before reaching the recipient's bank, you may also need the intermediary's SWIFT code and account details. Your recipient's bank can provide all of these details — most banks publish their wire instructions on their website or can provide them by phone. For personal international transfers, refer to consumerfinance.gov for remittance transfer protections.
Domestic outgoing wires are $15 for personal accounts and $10 for commercial checking accounts. Premium commercial accounts receive five free outgoing domestic wires per statement cycle. International outgoing wires are $35 for personal accounts and $25 for commercial accounts; wires sent in a foreign currency rather than U.S. dollars carry an additional $10 currency conversion fee. Incoming domestic wires cost $5 for personal accounts and are free for commercial accounts. Incoming international wires cost $10 for all account types, plus any intermediary bank processing fees, which are deducted from the received amount before it credits to your account — these intermediary fees vary by the number of banks in the payment chain and are not controlled by Servus. ACH transfers between your Servus accounts and verified external accounts are free for standard (1–3 business day) delivery. Same-day ACH delivery costs $5 per transfer. All fees are disclosed on the confirmation screen before you submit the transfer, so you know the total cost before committing.
Domestic wire transfers submitted before 3:00 PM Eastern on a business day typically arrive at the recipient's bank within a few hours the same day. The receiving bank may take additional time to credit the funds to the recipient's account — most do so within an hour of receipt, but some may hold funds until the next business day. International wire transfers submitted before 2:00 PM Eastern are transmitted the same day; arrival at the recipient's bank typically takes one to three business days. The variation depends on the destination country's banking infrastructure, whether currency conversion is required, and how many intermediary banks process the payment along the route. Wires to Western European countries with modern banking systems often arrive in one business day. Wires to countries with less developed banking infrastructure or complex correspondent banking relationships may take the full three days. You can track the status of a wire through online banking: the status updates from "pending" to "transmitted" to "delivered" as the wire progresses. If a wire has not arrived after three business days, Servus member support can initiate a trace through the SWIFT network to locate the funds.
Whether you need a domestic wire that arrives today or an international transfer to a supplier overseas, Servus Credit Union has the transfer method, transparent pricing, and security controls to move your money safely.
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