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Wire Transfers

Learn how to send or receive domestic and international wire transfers through Peak Credit Union.

Wire transfers are typically used to move money quickly between financial institutions and may be used for large or time-sensitive transactions. 

Sending a Wire Transfer

Before initiating a wire transfer, contact the receiving financial institution to obtain their wire instructions.

Important: Incorrect wire instructions may result in the transfer being delayed or returned. Additional fees may apply if a wire is returned. 

Outgoing Wire Transfer Cutoff Times

Peak processes outgoing wire transfers on the same business day when received before the following deadlines:

Transfer Type Submission Method Cutoff Time (PT)
Domestic Wire Phone 1:00 PM
Domestic Wire Branch 2:00 PM
International Wire Branch Only 1:00 PM

Note: International wire transfers cannot be initiated by phone. 

Information You May Need to Send a Wire

Requirements vary by receiving institution, but commonly include:

  • Recipient name
  • Recipient account number
  • Receiving bank name
  • Receiving bank routing number
  • Additional wire instructions provided by the receiving institution

Always verify the information directly with the receiving institution before submitting a wire transfer request.

Receiving a Wire Transfer

To receive a wire transfer at Peak Credit Union, provide the sender with the following information:

Incoming Wire Instructions

Receiving Institution:
Peak Credit Union

Routing Number (ABA):
325181015

Additionally, provide:

  • Your full name
  • Your Peak account number
  • Your physical address

International Incoming Wires

Peak Credit Union does not have:

  • A SWIFT Code
  • A BIC
  • An IBAN

International wires must be routed through a U.S. correspondent bank using the incoming wire instructions above.

If you're expecting an international wire, contact the sending financial institution for assistance with routing instructions.

How Long Do Wire Transfers Take?

Domestic Wire Transfers

  • Domestic wire transfers typically arrive within:

    • 12 to 72 hours

  • Processing time can vary based on:

    • Time of submission
    • Federal holidays
    • Receiving institution processing times
    • Routing requirements

International Wire Transfers

  • International wire transfers may take longer than domestic transfers because they can involve:

    • Correspondent banks
    • Currency conversion processes
    • Country-specific regulations
    • Time zone differences

  • Delivery times vary depending on the destination country and receiving institution.

Frequently Asked Questions

Can I send an international wire transfer by phone?

  • No. International wire transfers must be initiated at a Peak branch.

When are incoming wire transfers posted?

  • Incoming wires are posted as they are received from the sending financial institution.

What happens if the wire instructions are incorrect?

  • Incorrect information may delay the transfer or result in the wire being returned.

  • You may be responsible for any fees charged by the sending or receiving financial institution.

Does Peak charge fees for wire transfers?

  • Contact Member Services or visit a branch for current wire transfer fee information.

Need Help?

For assistance with sending or receiving a wire transfer:

  • Call us at (800) 258-3115

  • Visit your local Peak branch.