Wire Transfers

Domestic, International, Incoming, and Outgoing Wires

Introduction

Wire funds to or from your Visions account.
Details, guidance, and fees for wire transfers are provided below. For assistance, please call 800.242.2120 or visit your local branch.

Please be aware of our schedule for processing wire transfers.
Visions must receive incoming wire transfers by 4:00pm to be processed the same day; any wires received after 4:00pm EST are processed the next business day. Domestic outgoing wires must be requested by noon to be processed the same day, and international outgoing wires can only be requested prior to 2:30pm EST on weekdays.

Wire transfer services are for credit union members only. Learn if you qualify for membership – and join today!
 

Incoming Wire Transfers

To receive a domestic wire transfer to your Visions account, be sure to include the following information:

• Beneficiary/Creditor: Your name as it appears on your Visions account (If the receiving account is a business account, please use the business account name instead of the receiving person's name)
• Beneficiary/Creditor Address: The address that is on file on your Visions account (If you are asked for the Country Code, please use the code US if you reside in the United States)
• Beneficiary Bank/Creditor Agent FI: Visions FCU
• Beneficiary Bank/Creditor Agent FI Address: 24 McKinley Ave • Endicott, NY 13760, US
• Routing Number/ABA #: 221375378
• BIC/SWIFT: Not applicable, Visions does not have a BIC/SWIFT code
• Beneficiary/Creditor Account Number: You may use either your Visions member number or a full direct deposit account number. Please note the following considerations:

— If you use your member number, funds will be deposited into the primary savings by default.
— If you want the funds to go to a specific account, such as your checking or money market account, you should use the full direct deposit account number.
— If you are attempting to pay off a loan with a wire transfer, do not use your loan number as the creditor account number. Instead, you should use your member number and include the loan number you are paying off in the "Reference" section. Once the funds have been deposited into your primary savings, please visit your local branch or call our Contact Center at 800.242.2120 to apply those funds to the loan.

The above incoming wire instructions are for domestic wires only.
If you wish to receive an incoming wire from a foreign country, please view this page for support with incoming international wires and currency exchange.

Outgoing Wire Transfers

To send a domestic or international wire transfer from your Visions account, please visit your local branch or give us a call at 800.242.2120. 

Alternatively, you can complete the wire transfer form and send it to Visions Federal Credit Union, Attn: Wire Desk, at mailing address 24 McKinley Ave., Endicott, NY 13760.
 

Associated Service Fees

Want to skip the fees?

To waive the service fees for wire transfers and more, open a Flex Checking Plus. Learn more about our checking accounts.
 

*Listed fees and information on this page are for consumer accounts only. Please request our Business Charge Schedule for organizational account fees or email BusinessServices@visionsfcu.org.

Additional Information

• Transfers and deposits to your Visions accounts

  To receive funds from people you know or to transfer funds from another financial institution to your Visions accounts, you can utilize an array of deposit and transfer services. Click here to learn more about our options for deposits and transfers.

• Funds transfers to other financial institutions

  Looking to transfer funds to other accounts? We have several convenient options if you're enrolled in digital banking.

  • Our online Bill Pay service can allow you to pay bills or transfer funds from your Visions account to other bank or credit union accounts. The service is free and a checking account is required. To enroll, simply click on Bill Pay in digital banking and follow the simple set up menu.
     
  • We also offer an External Transfers option. This service is free of charge and lets you move money back and forth between your Visions accounts and those held at other financial institutions. Select it from the Transfers/Payments tab of digital banking to begin the set up process.
     
  • Also in digital banking, we offer the option to send money with Zelle® or submit Member-to-Member transfers. Remember to treat money transfer services as if they're cash transactions. To prevent fraud, you should only send money to people you know and trust.
• Automatic credit card payments

  It's easy to have your Visions credit card payments transferred automatically from your primary savings or checking. You can complete a form at your local branch to request this service, or simply set up recurring payments in digital banking. While logged in, click Make a Payment then select your preferences for a recurring transfer, including the start date, amount, and frequency of your automatic payments.

  Need help? Call our Contact Center at 800.242.2120.