Stay Secure: Be cautious of text messages and phone calls claiming to be from UNFCU reporting fraud on your accounts. Contact us directly to verify.
Holiday Schedule: Our Contact Center will have updated hours during December holidays. View updates.

Discover the worldwide benefits UNFCU members enjoy

Apply for Membership Membership Eligibility Member Benefits Refer a Colleague

Help & Guidance

Transfers

External Transfers

Move money for free between accounts you own in the US

Send money to or from your UNFCU accounts and your accounts at other US financial institutions. Our external transfer service makes moving money secure with an advanced verification system and simple with an intuitive Digital Banking interface.

Global.
Free

Make transfers with no added fees from UNFCU.

Free.
Send up to $25,000 daily1

The maximum amount per transaction is also $25,000.

Line options.
Choose your account

Link your savings or checking account for external transfers.

Set up and verify an external account

  1. Sign in to Digital Banking.

  2. Under Transfers & Payments, expand To my other US bank account.

  3. Select External transfer.

  4. Scroll to select Manage External Account.

  5. Select Add New External Account.

  6. Select one of the options you previously set up to receive a security code.

  7. UNFCU uses Plaid to connect your accounts. Select Agree, if you agree to share your personal information with Plaid. 

  8. Enter the information for your non-UNFCU account.

    If Plaid cannot find your non-UNFCU financial institution, we will verify your account using verification deposits:

    • Locate a small transaction ($0.01) from UNFCU in your external account records between today and the next three days. This is your verification deposit.
    • Find the verification deposit three-character code in the transaction description.
    • Select the Transfer & Payments tab in Digital Banking.
    • Select To my other US bank account, then External transfer.
    • Scroll down to the bottom of the page and select Manage External Accounts, then Microdeposit Pending Verification. There you will see the Verification Pending link under Status. Select the link and enter the verification deposit three-character code.

    If verified using this method, your account will be set only to send money to your external account. You will not be able to transfer from your external account to your UNFCU account.

Additional tips & details

  • Automate transfers you make regularly by setting up a recurring transfer. Your recurring transfer can last up to three years.
  • Transfers submitted by 15:00 New York time will be processed the same day. After this time, your transfer will be processed the next business day.
  • Any transfer marked “InProcess” cannot be cancelled.
Individual looking at tablet and holding a coffee.

Use your checking account to avoid fees

Send money from your checking account if you plan to make more than six transfers in a month. This way, you will not incur excessive transaction fees that apply to these transfers from a savings account.

Open a checking account

More ways to transfer

Discover more options to fit your country, currency, speed, and cost needs.

View all transfer options

Disclosures

  1. UNFCU reserves the right to lower transfer limits based on internal risk criteria, which may include, but is not limited to, length of membership.