Wire transfers sent within the United States typically arrive at the receiving institution within 24 hours, while wires sent internationally will vary based on the destination country and bank.
Before wiring money, please ensure that you know the identity of the party you are sending money to. Some scammers prey on unsuspecting people by asking them to pay money for something they have won or to receive a deposit from another country such as Canada, England, or Nigeria. Often times these scammers request funds via wire transfer, so it is always best to confirm the identity of who you are dealing with. Visit the Federal Trade Commissions’ website for current scams.
Sending Wires
If you are a business member, please view the additional information we have about how you can send wire transfers through Internet Banking and Mobile Banking.
To initiate a domestic wire transfer, please use our Wire Transfer tool in Internet Banking or our Mobile Banking app. Domestic wire transfer requests must be received by 2:00 PM ET, Monday through Friday, for same-day processing.
To initiate an international wire transfer, or if you do not have access to Internet Banking or Mobile Banking, simply call our Contact Center at 845.463.3011 or visit any of our branches. Domestic wire transfer requests must be completed and received by 4:00 PM ET, Monday through Friday, for same-day processing. International wire transfer requests must be completed and received by 2:00 PM ET, Monday through Friday for same-day processing. Requests received after those times will be processed the next business day.
Please note: We do not accept wire instructions via email or live chat.
You need the following when sending wire transfers within the United States:
- Name and routing number of the destination institution.
- Name, address (if known), and account number of the recipient.
- Any additional instructions (further credit to, etc.).
You need the following when sending wire transfers outside the United States:
- Name and SWIFT number of the destination institution.
An institution SWIFT Code, which is also referred to as the BIC code, is a unique code that is used to recognize financial and non-financial institutions. When sending funds to other countries, the sender should obtain a SWIFT Code to enable smooth international transactions.
- Name, address (if known), and account number of the recipient.
- Any additional instructions (further credit to, etc)
Please note, providing the requested information above will help prevent potential processing delays and fees.
HVCU wire transfer fees vary dependent upon whether the transfer is made to a domestic or international financial institution. Refer to our Fee Schedule for applicable wire transfer fees. Additional fees may apply based on the receiving institution.
Receiving Wires
If the funds are coming from a financial institution within the United States, provide the sender with your member account number, and HVCU’s routing number, which is 221979363.
If the funds are coming from a financial institution outside the United States, that institution will need to transfer funds to a U.S. processing institution with which they maintain a relationship. That institution will then wire funds to HVCU using routing number 221979363 and your full account number. Please note, HVCU does not have a SWIFT number.
An institution SWIFT Code, which is also referred to as the BIC code, is a unique code that is used to recognize financial and non-financial institutions. When sending funds to other countries, the sender should obtain a SWIFT Code to enable smooth international transactions.
Refer to our Fee Schedule for applicable wire transfer fees. Fees charged by other financial institutions can vary.