Wire Transfer: Fee, Form & Instructions

Instant verification allows you to quickly link your PSECU account to an account you own at another financial institution. The tool we, and many other financial institutions, use to do this is called Plaid. Please note: if the financial institution you’re looking to link your account to doesn’t use Plaid, you’ll have to use manual verification to connect the accounts.

Link your accounts in 3 easy steps:
1. 1. Log in to your PSECU account. In digital banking, select Transfers and then External Accounts. Then choose Add External Account and use the Instant Verification option.
2. 2. Link your accounts. During Instant Verification, choose the financial institution where you own another account and follow the instructions to confirm your account information.
3. 3. Transfer. Your accounts are linked! You can now move money within minutes.
Need help? Check out our videos on instant verification with Plaid.

Read more Plaid FAQs
If you can’t use Plaid for instant verification, you’ll need to complete a manual verification process to link your PSECU account to an account you own at another financial institution. This is done using a small deposit made to and then reversed from your other account by PSECU. You’ll need the following information about your other account to get started:
- Routing number
- Account number
- Account type (checking or savings)
How do I verify the small deposit to my external account?
1. 1. Log into your PSECU account. In digital banking, select Transfers, then External Accounts, and finally Add External Account. Choose the Manual Verification option.
2. 2. Enter information. Input the routing number, your account number, and the type of account you’d like to connect.
3. 3. Verify. Once the small deposit shows up in your other account, log into PSECU’s digital banking and navigate back to the External Accounts page. Tap on the external account with the Pending Verification status on the transfer’s screen and follow the on-screen prompts. Note: It can take up to three business days for you to see the small deposit in the other account.
4. 4. Transfer. You can now easily move money between your linked accounts.
Need help? Check out our video on the manual verification process.

Make a Loan Payment

Moving money between financial institutions is easy, but moving money from one PSECU account to another to pay a PSECU loan is even easier. Follow these steps to learn how to set up a transfer or pay a loan.

1. Log into PSECU’s digital banking. Select Transfers, then New Transfer, and choose the accounts you want to transfer to and from.
2. Set up frequency. Type in the dollar amount you want to transfer and select the frequency for this transfer.
3. Confirm. Select a date for the transfer to occur and then review the requested transaction before confirming.

Can I set up an automatic transfer?

You can use your external account to pay all loans you have at PSECU, except a mortgage. You can schedule a recurring transfer from your external account to your PSECU loans except for Visa®s or past-due loans. Once a past-due loan is brought current, with the exception of Visas, you may setup a recurring payment from an external account transfer.

You cannot schedule a recurring transfer from your external account to a Visa loan. To set up an automatic transfer for your loan, please call us.

Free Bill Payer Service

With our free bill payer service, you can pay all your bills directly within digital banking. Set up secure automatic or on-demand payments for things like rent, mortgage, utilities, credit card payments.

After the simple set up process, you can manage, organize, and pay your bills online every month, saving you time and the hassle of remembering different logins. Follow these steps or watch the video below to get started.

1. Log into PSECU’s digital banking. You can access our free bill payer service in online or mobile banking.
2. Set up. Click on Bills, select Add a Payee, and follow the prompts on the screen.
3. Worry less. You can breathe easy knowing your bills will be paid securely and on time each month.

Send and Receive Money with Zelle®

Zelle^® is a fast, safe, and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes¹. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank¹.

How to Start Using Zelle^®:

1. Enroll or log into PSECU’s digital banking and select Transfers.
2. Select Send Money with Zelle^®.
3. Review and accept the terms and conditions.
4. Select your U.S. mobile number or email address and deposit account.

That’s it! You’re ready to start sending and receiving money with Zelle^®.

¹U.S. checking or savings accounts required to use Zelle^®. Transactions between enrolled consumers typically occur in minutes.

Terms and conditions apply Zelle^® and Zelle^® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Send Money to Other PSECU Members

Need to send money to someone else who has a PSECU account? You can easily move money to their account through our digital banking channels by following the steps below:

1. Log into PSECU’s digital banking. Select Transfers, then New Transfer, and finally New Recipient.
2. Enter information. Input the recipient’s first and last name, email address or phone number, and a secret phrase. The secret phrase should be 20 characters or less. You’ll give this to your friend or family member to claim their funds.
3. Claim Funds. Once you’ve initiated the transfer, the recipient has 7 days to claim it. They’ll need to enter the transfer code and secret phrase and select where they’d like to deposit the funds. If not claimed within 7 days, the money will be returned to the sender.

If the member you transferred the money to has not claimed the funds, you can cancel the transfer.

Securely Wire Money to Businesses and Individuals

You can securely and quickly wire money to businesses and individuals in the U.S. and abroad with PSECU. To complete a wire transfer, contact a Wire Transfer Analyst at 800.237.7328, extension 3868.

Domestic

Send money to a business or individual within the U.S. states and territories.

Service Charge: $20
Minimum Wire Transfer: $100
Same Day: Requests will be taken from 8:00 a.m. to 1:30 p.m. (ET), Monday through Friday
Next Day: Requests will be taken from 8:00 a.m. to 4:00 p.m. (ET), Monday through Friday

International

To wire money internationally, you have two options:

Have the authorized receiver set up an ACH debit to remove money from your PSECU account. Please exercise caution and only provide this information to someone you know and trust.
Have a trustworthy money transfer service perform the international wire transfer*. To fund the transfer, you can have the service provider electronically debit your PSECU account or you can have PSECU wire funds to the service provider. All wires to service providers must be to domestic institutions only.

*Funds must be on deposit in your PSECU account for 4 full business days before they may be wired. Funds deposited by direct deposit or incoming wire transfer are not subject to the 4-day restriction.

- Full name of beneficiary (person receiving the wire)
- Full physical address of beneficiary (no PO Boxes)
- Account number of beneficiary
- Receiving bank name
- Receiving bank’s ABA/routing transit number
- Any intermediary or correspondent bank information (domestic institutions only)
  - Intermediary or correspondent bank address (if used)
- Exact dollar amount of transfer (US dollars only)
- Any instructions as provided for beneficiary or receiving bank to correctly post the wire
Every institution may have different requirements, so please speak with the international banking staff at your international bank to determine what they require. You will likely need the following information:
- PSECU's SWIFT number: PSEMUS31
- Clearing Code*: FW231381116
- Beneficiary Bank Name: PA State Emp CU, Harrisburg PA
- Beneficiary Account Number: You’ll need to provide the 10-digit share number of either your checking or a savings share. You can find these numbers in digital banking. In mobile, click the information icon. In online banking, click on Details on the left side of the page.
  
  Your masked share account number will be displayed on the screen (click the eye icon to unmask it). You can also find your 10-digit checking account number at the bottom of your PSECU checks.
- Beneficiary Name & Address: Your name and address as it appears on your PSECU account.
Please Note: Wires must be made in U.S. dollars.