Wire Transfers

Big Service. Little Fee.

When to Wire 


Often, a wire transfer is requested when larger sums of money are involved. You may be wiring a down payment on your new home or making a large inventory purchase for your business. Whatever the reason, ensure you have the funds and information needed for making the transfer.


When making a wire transfer, there is no such thing as being too cautious: You'll want to ensure all the information is correct – this can't be overstated – so your recipient receives the money. Triple-check the recipient's details, such as their account information.

Where to Wire 


You can wire funds domestically and internationally. There is an additional $10 for sending funds beyond the United States and its territories (see breakdown below).

How to Wire


You may request a wire Monday – Friday, 7 a.m. – 7 p.m. (earlier hours will require a phone transfer); Saturday, 9 a.m. – 1 p.m. Wire transfers requested before 1 p.m. PST will be sent the same day. 

Members have two options to initiate a wire transfer. 


  1. Visit a Neighborhood Financial Center: Stop by any BECU location and meet with a member consultant. 

  2. Call us: (800) 233-2328.

So long as all the requirements are met, transfers done before 1 p.m. PST will be processed and sent the same day. Transfers done before 1 p.m. PST on Saturdays will also go the same day. If a transfer is processed after 1 p.m., or not enough information was provided, the wire will take place the following business day.


Wiring Fees


As a not-for-profit financial co-op, BECU returns profit to members in the form of better rates and fewer fees. Wire transfers are just one more product where BECU members enjoy the concept of “fewer fees” firsthand. And sure, while there is a fee to initiate a transfer, the fee is minimal in comparison to many other financial institutions. 


  • $25.00 fee for outgoing domestic wires (United States and territories in possession of the USA – Midway Islands, Puerto Rico, American Samoa, Virgin Islands, Federated States of Micronesia, Marshall Islands, Northern Mariana Islands, Palua and Guam).  
  • $35.00 fee for outgoing international wires.  
  • Additional fees charged by financial institution processing the wire transfer.
  • Additional fees in the form of international taxes that may be charged.

Fees are posted as a separate transaction and will be debited from the same account the wire is drawn on.