Call or Text
(801)-223-8188
Mon – Fri: 8:00 am – 6:00 pm
Sat: 9:00 am – 2:00 pm
Submit a Question to our Support Team
or send us a message from inside online banking.
Business Wire Transfers
Speed, Security, and Global Reach
Log in to online banking or contact us to set up a wire transfer to any other eligible account, worldwide.
Business Wire Transfers are the fastest and most secure way to move high-value, time-sensitive funds between business accounts domestically and internationally. Unlike traditional payment methods such as checks or multi-day ACH transfers, a wire transfer facilitates the transfer of funds from one account to another in near real-time, often settling on the same business day.
Our service ensures that your critical payments are executed with the highest level of banking network security, minimizing fraud risk and eliminating the uncertainty of paper-based or slow electronic payments. With UCCU, you gain access to a check reliable system designed to handle the scale and complexity of your most significant financial transactions, all through the trusted support of your credit union partner.
You’ve got questions.
We’ve got answers.
Give us a call or send us a secure message from within online or mobile banking.
(801) 223-8188 | Branch Locations
Available M–F 8am–6pm, and Sat. 9am–2pm,
To initiate a Wire Transfer (Domestic and International)
- Download the UCCU mobile banking app or log in online.
- Select Transactions from the main menu, then select Send a Wire*.
- Follow the prompts to complete the wire.
Click here to review Wire Cutoff Times
* Transaction fees apply
Receiving A Wire Transfer
- Domestic: Download and fill out our Domestic Incoming Wiring Instructions and send to party wiring you the money.
- International: Click to fill out our International Incoming Wiring Instructions, click submit, this creates custom instructions that you can then send to the party wiring you the money.
* Transaction fees apply
Same-Day Speed & Finality
Initiate same-day domestic payments, ensuring immediate settlement for critical transactions like property closings or major debt repayments.
Global Access, Local Support
Easily send funds to vendors, partners, and suppliers worldwide using the secure global SWIFT network.
Maximum Security for High-Value Payments
Funds are processed through encrypted banking systems, making wires ideal for large-scale transfers where security and irreversibility are paramount.
Seamless Processing and Competitive Pricing
Accessing your business wire transfer service is simple and convenient. UCCU allows you to initiate transfers directly through Online and Mobile Business Banking, offering a secure and streamlined process that saves you a trip to a branch. To ensure a smooth transaction, simply gather the recipient’s legal name, bank name, account number, and either the domestic Routing Number or the international SWIFT/BIC code.
Wire transfers are best suited for urgent, large-sum payments because of their speed and finality. While more costly than routine ACH transfers, UCCU provides highly competitive fees for this premium service:
| Wire Transfer Type | UCCU Fee | Cutoff Time (MT) |
|---|---|---|
| Domestic Outgoing | $15.00 per transfer | 2:30 PM |
| International Outgoing | $40.00 per transfer | 1:00 PM |
| Incoming Wires | $10.00 per transfer | N/A |
Frequently Asked Questions
Can international business wire transfers be made?
Yes. UCCU supports outgoing and incoming international business wire transfers using the global SWIFT network, allowing you to pay vendors and partners across the globe.
How long do business wire transfers take?
- Domestic Wires: Generally arrive within a few hours to the same business day if submitted before the 2:30 PM MT cutoff time.
International Wires: Typically take 1 to 2 business days, though compliance checks and intermediary banks can sometimes add a delay.
What are common reasons for business wire transfer delays?
The most common reasons for delays include incomplete or inaccurate recipient information (wrong account number, missing SWIFT/BIC code), initiating the transfer after the daily cutoff time, or the transaction being flagged for a mandatory manual compliance review due to the size or destination.
Do I need to go into a branch to do a wire?
No. For your convenience, UCCU allows authorized users to initiate both domestic and international wire transfers securely through our Online and Mobile Business Banking platform. If you have a complex request or require assistance, you may also contact our Business Services team or visit a local branch.