Incoming wire instructions

Wiring funds to an account at Whatcom Educational Credit Union

The following information is required to wire funds to an account at WECU:

  • ABA Routing # 325180113
  • Our address: 600 E. Holly St, Bellingham, WA 98225
  • The member's account number and which account to credit (i.e. S1, S8, L70, etc.)
  • The member's name as it appears on the account
  • (Optional) Additional reference information (i.e. Reference #, Invoice #, Escrow #, Special Notes, etc.)

Wiring funds into a WECU account from a financial institution outside the U.S.

In addition to the information listed above, in order for a financial institution outside of the U.S. to wire funds to a WECU account they must do so through a U.S. correspondent financial institution they have a relationship with. They may have a SWIFT Code which is a unique identification code used to identify financial institutions for international wires. WECU is not on the SWIFT system and only receives wires through the Federal Reserve. In order for a financial institution outside of the U.S. to wire funds to a WECU member, they must pass the wire through a U.S. correspondent financial institution.

Outgoing wire instructions

Wiring funds to an account at another financial institution

Please contact the receiving institution and request their wiring instructions. The following information is required:

  • Name of financial institution where the funds are going
  • ABA routing number: this is a 9 digit number; it is best to confirm they are a Fedwire participant and are eligible for funds transfers
  • Person/Business name with the account at the receiving institution
  • Account number where funds are to be credited
  • (Optional) Additional reference information for beneficiary of wire (i.e. Reference #, Invoice #, Escrow #, Special Notes, etc.)
  • (Optional) Address of the financial institution receiving the funds

Wiring funds to an account outside of the U.S. or to an institution which is ineligible to receive wires directly

If the financial institution receiving the funds is not in the U.S. and/or ineligible to receive wires directly, we must have the following information in addition to what is listed above:

  • Foreign Wires: All foreign wires must be run through a correspondent financial institution within the U.S. When wiring funds internationally, a corresponding financial institution receives the funds then transfers them to the final destination. The foreign institution will have either a SWIFT Code or ABA and account number at a U.S. financial institution (This tells the corresponding financial institution how to send the funds to the foreign financial institution.)
  • Ineligible U.S. institutions: U.S. financial institutions which are not eligible to receive wires directly must use an eligible correspondent financial institution that is a Fedwire participant and eligible for funds transfers. We will need the account number and ABA of the corresponding financial institution.

Wire Transfers

All WECU® members can send domestic wires at the low cost of $10.
There is no service charge for incoming wires sent to your WECU® account.

Timing

For wires to be sent the same business day, we must receive your wire request (in full) by 1:00 in the afternoon.

Service Charges

There is a service charge of $10.00 per domestic wire transfer, and a service charge of $30 per international wire. This service charge will be charged to your account along with the wire amount.

Required Information

Domestic Wire Transfer: $10 service charge
Sender's name, address and daytime phone number
Sender's account number and account type*
Receiving institution's name, branch address and 9-digit ABA routing number**
Intermediary institution name and account number (if applicable)
Beneficiary's name and address
Beneficiary's account number
Foreign Wire Transfer: $30 service charge
IMPORTANT: WECU® cannot send funds directly to a foreign institution; we go through Western Union, which in turn transfers the funds on to the foreign institution.
Sender's name, address and daytime phone number
Sender's account number and account type*
Intermediary institution name and account number (if applicable)
Beneficiary's institution name, branch address and account number or SWIFT code

Beneficiary's name, address and account number or IBAN number

Currency type where funds are to be credited

Some countries require additional information. Please contact us with the specific country you wish to wire funds to and we will provide you with the specific country requirements.

* Eligible account types: Savings, Checking, Personal Line of Credit, HELOC.

If you wire money on a regular basis you may want to create a Phone Verification Password for extra security. You must create this code in person at any WECU® branch. If you will be regularly wiring to a domestic account ask us about creating a recurring wire.

Request & Confirmation

To initiate an outgoing wire transfer, please call our full-service call center at 360.676.1168, or toll-free at 800.525.8703. You may be required to complete and submit an outgoing wire transfer request form. Please note: it is important that you speak with one of our call center representatives before completing the form.

When all of the required information has been received, you must also be available by telephone to confirm a wire transfer request. We will mail a printed confirmation with a transaction receipt once a wire has been sent.