Online Banking

Wire Instructions

If You're Receiving an Incoming Wire

MUCFCU uses an intermediary institution for wire services. Have the sender of your wire give his/her bank or financial institution when sending your wire:

For wires coming from U.S. or international financial institutions:

Beneficiary Institution:
Corporate One Federal Credit Union
ABA Routing Number: 244084264

Further Credit To:
Miami University Community Federal Credit Union
ABA Routing Number: 242278878

Final Credit To:
Your Name and MUCFCU Account Number

Most financial institutions charge a small fee for both receiving and sending wires. Both you and your recipient should review these fees before sending a wire.


If You're Sending an Outgoing Wire

You must come in to an MUCFCU branch to send a wire. At this time, wires cannot be originated by phone or email, unless you have made prior arrangements with a Member Service supervisor. Wire services are available at any MUCFCU branch.

When sending a wire, you must bring in your photo ID, as well as the following information for the intended recipient:

  • Recipient's name
  • Recipient's address
  • Recipient's phone number
  • Name of the bank or financial institution receiving the wire
  • Location (at a minimum, city) of the recipient bank/financial institution
  • Recipient's account number at the receiving bank/financial institution
  • ABA Routing Number of the receiving bank/financial institution, if the wire is going to an institution in the U.S.
  • SWIFT Code of the receiving bank/financial institution, if the wire is going to an international institution

Some banks and financial institutions use an intermediary institution for receiving wires, which requires a second Routing Number. Ask your receiving party if his/her financial institution requires a second Routing Number to receive wires.

Most financial institutions charge a fee for both sending and receiving wires. Review all fees before sending a wire, and if necessary, be sure to send enough to cover the receiving institution's fee to receive a wire.


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Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.


Certain restrictions may apply to the products and services described above. Contact the credit union for details. MUCFCU is not an entity of Miami University.