Wire Transfers

Wire Transfers

A wire transfer is a one-time electronic transfer from one financial institution to another. 

Incoming Domestic Wire – This method is used to transfer money into your JSC FCU account or loan from another financial institution within the United States. This wire will be processed by another financial institution but your JSC FCU account information will be required. Please make sure to provide the following information: 

  • Financial Institution Name and Address: JSC Federal Credit Union 1330 Gemini Houston, TX 77058
  • Routing / ABA Number: 313083992
  • Member Name: John Doe
  • Member Address: 1330 Gemini Houston, TX 77058
  • Member Name: John Doe
  • Member Account Number: Example 12345678-S75 or 1234567-L20

Good to know: 

  • Frequency: one-time transfer
  • Waiting Period: There is no waiting period to use this service.
  • Processing Time: We process all incoming wires until 5:00pm. If received after 5:00pm, we will process the wire the next business day. Please keep in mind that processing time will vary due to the financial institution that is sending the wire to us.
  • Fee: FREE for personal accounts and $5 per incoming wire for business accounts

 

Incoming International Wire – This method is used to transfer money into your JSC FCU account or loan from another financial institution outside the United States. This wire will be processed by another financial institution but your JSC FCU account information will be required. Please make sure to provide the following information:

  • Financial Institution Name and Address: JSC Federal Credit Union 1330 Gemini Houston, TX 77058
  • Routing / ABA Number: 313083992
  • Member Name: John Doe
  • Member Address: 1330 Gemini Houston, TX 77058
  • Member Name: John Doe
  • Member Account Number: Example 12345678-S75 or 1234567-L20

Good to know: 

  • Frequency: one-time transfer
  • Waiting Period: There is no waiting period to use this service. 
  • Processing Time: We process all incoming wires until 5:00pm. If received after 5:00pm, we will process the wire the next business day. Please keep in mind that processing time will vary due to the financial institution that is sending the wire to us.
  • Fee: FREE for personal accounts and $5 per incoming wire for business accounts

Outgoing Domestic Wire – This method is used to transfer money from your JSC FCU account to your account or another person’s account or loan at another financial institution within the United States.

  • Recipients Financial Institution Name and Address
  • Recipients Name
  • Recipients address
  • Recipients Routing and Account Number

Good to know: 

  • Frequency: one-time transfer
  • Waiting Period: There is no waiting period to use this service. New members (accounts opened within 30 days) can only submit outgoing wires in person.
  • Processing Time: Cut-off time – If received before 3:00pm, the wire will be sent out the same day. Any wires received after 3:00pm will be sent out the next business day. The receiving financial institution may have an incoming cut-off time
  • Fee: $15 per outgoing domestic wire transfer How to get started:

 How to get started:

 

Outgoing International Wire – This method is for transfers to another financial institution outside the United States.  As of October 28, 2013 all International Wires sent from a personal account are covered by new regulations. To review the new regulations please see the following: The Dodd-Frank Act: Impacts on Personal International Wires

Good to know: 

  • Frequency: one-time transfer
  • Waiting Period: There is no waiting period to use this service. New members (accounts opened within 30 days) can only submit outgoing wires in person.
  • Processing Time: Cut off times - outgoing International Wires completed by 10:30am will be sent out the same day. Any wires received 10:30am to 3:30pm will be sent out the next business day. Any wire transfer request received after 3:30pm will not begin the process until the following business day. Details for processing time can be found under How to get started.
  • Fee: $45 per outgoing international wire transfer.
  • Cancellation - member will have 30 minutes from the Send Date/Time at the top of the Proof of Payment Disclosure to contact JSC FCU and cancel the wire.

How to get started: 

In branch process (approximately 45 minutes)

  • You will need to complete a wire transfer form and provide your current ID to a branch employee who will submit the form to the Accounting Department
  • The Accounting Department will send back a Pre-Payment Disclosure for you to read, sign and return
  • The Accounting Department will process the wire transfer and send back a Proof of Payment Disclosure

Fax/Email process (time varies) All wires faxed or e-mailed to the Accounting Department will be sent out the following business day

  • You will need to complete a wire transfer form and fax it to the Accounting Department at 281.488.5116
  • The Accounting Department will contact you at the phone number on file to verify the wire information
  • The Accounting Department will email or fax a Pre-Payment Disclosure for you to read, sign, and return
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