Sending Money with Security Service

Security Service Federal Credit Union offers members options to send money quickly. Use our bank wire transfers, person-to-person transfers, or send deposits and payments by mail.


Bank Wire Transfer (Bank-to-Bank)

What is a Wire Transfer?

A wire transfer is a fast and secure means of electronically transferring funds from one bank account to another at different financial institutions using the Federal Reserve Bank’s Fedwire platform. Wire transfers are generally received same day (depending on the time the wire is processed and the receiving financial institution’s procedures for posting). The funds are then available for use immediately upon receipt.

Due to the nature of these transfers, a reversal generally cannot be processed once the receiving financial institution has completed the payment order.


How do I send a Wire Transfer?

Visit a branch office near you to initiate a wire transfer. Wire requests cannot be made via Security Service Online Banking or on our website.

Wire requests for $2,500.00 or less to your own account at the other financial institution may be accepted via phone at (866)557-1312

You may also email your signed written authorization to

You will need to provide complete wiring instructions to include:

  • Your name and account number
  • Daytime phone number
  • Dollar amount of transfer
  • Name of payee
  • Payee account number
  • Receiving Financial Institution and their ABA/routing number
  • Corresponding or intermediary financial institution and routing number (If applicable)

Requests for domestic transfers (within the U.S. & its territories) must be received by 2:30 PM CST for same day processing. Requests received after 2:30, will be processed on the next business day. Wire transfers are not processed on weekends or federal holidays.

SSFCU has the ability to send international wire transfers in either USD or foreign currency.

International requests for USD to USD can be accepted Monday through Friday, 8:30 AM to 5:30 PM CST. For same day processing, wire requests must be received by 1:30 PM CST. Requests received after 1:30 PM CST will be held and processed until the next business day.

International requests for USD to foreign currency can only be accepted Monday through Friday, 8:30 AM to 1:30 PM CST. Due to fluctuating exchange rates, these requests must be processed the same day we receive the request and we will be unable to accept your request after the cut-off time of 1:30 PM CST.

You will need to provide complete wiring instructions to include:

  • Type of currency to be received by the beneficiary
  • Payee information: account holder’s name, account number to include IBAN and Sort Code or Clabe where applicable.
  • Receiving financial institution, their SWIFT Code as well as their location (city and country).
    • What is an IBAN? IBAN stands for International Bank Account Number. It is an international standard of identifying bank accounts across national borders. IBANS vary by country and institution and only the receiving institution can provide the correct number for that account.
    • What is a SWIFT code? SWIFT stands for Society for Worldwide Interbank Financial Telecommunications. The SWIFT code is a standard format of bank identifier codes and serves as the unique identifier for a bank for financial institution. They will be comprised of 8 or 11 alphanumeric characters.
    • What is a CLABE? A CLABE is a banking standard for numbering bank accounts in Mexico. This number is a requirement for sending inter-bank electronic funds. The CLABE contains 18 digits.
    • What is a Sort Code? A sort code is the name given by both the British and Irish banking industry to the bank codes which are used to route money transfers via their respective clearance organization.


  • Domestic outgoing wire - $15
  • International outgoing wire - $61


Receiving a Wire Transfer

Wire deposits can be made to your savings, checking, or money market accounts, as well as certificate of deposits and loans.

In order for a transfer to be accepted and posted, the beneficiary name/account holder must appear exactly as your account is titled. Transfers that list beneficiaries other than what is on your account will be returned back to the originator. Additionally, the account number must be correct. If the account number is incorrect, it will be rejected and returned back to the originator as well.

Incoming funds are processed upon receipt and posted to accounts the same day if received prior to 5:30 PM CST. Funds are made available immediately upon posting.

There is no fee to receive an incoming wire.

Please provide the originator the following information:

  • Name as titled on SSFCU account
  • Account number to which the funds will be credited
  • SSFCU’s routing number - 314088637
**For International transfers, members should instruct the sending financial institution to use a corresponding bank to facilitate the transfer to your account. SSFCU is not part of the SWIFT network and we can only receive funds in US currency.
  1. The wire department will be closed on Federal holidays.