America first credit union international wire transfer

Q: Which routing number do I use for international transfer Bank of America?

Bank of Americas SWIFT code BOFAUS3N should be used for incoming wires in U.S. dollars. Bank of Americas SWIFT code BOFAUS6S should be used for incoming wires in foreign currency.

Routing number is used in the US to identify a financial institution when making or receiving wire transfers.

Table of Contents Show

WHERE TO FIND ON A CHECK
HOW TO WIRE MONEY
Domestic Wire
International Wire
Wire Transfer Fees for America First Credit Union
International Wire Transfer to AFCU
Incoming International Wire Transfer Instructions
Domestic Wire Transfer to AFCU
Incoming Domestic Wire Transfer Instructions
Wire Transfer Fees for America First Credit Union
Sending Wire Transfer From AFCU
Wire Transfer Cut-off Time for America First Credit Union
How long do wire transfers take America First Credit Union?
How do I send wire transfers to America First Credit Union?
Does America First have international fees?
Which routing number do I use for international transfer Bank of America?

The routing numbers for America First Credit Union is 324377516.

WHERE TO FIND ON A CHECK

A look at the bottom of your check is one of the ways of finding the routing number for your bank.

Below is a sample check that illustrates where you can find the routing number in America First Credit Union check.

HOW TO WIRE MONEY

Wire transfers are handy in meeting your immediate cash transfer needs.

International and domestic wire transfers attract a fee on incoming and outgoing wire transfers.

routing number ensures domestic wire transfers are possible while SWIFT code facilitates international wire transfers.

America First Credit Union lacks SWIFT code, thus it partners with an intermediary bank to receive international wire transfers.

The transfer process starts once the sending financial institution has all the required details.

Domestic Wire

Through America First Credit Union, you can make and receive domestic wire transfers in your account.

For you to receive domestic wire transfers, give the following information to the sender

Bank Name – America First Credit Union
Routing Number – 324377516
Address of Bank – Ogden, UT
Beneficiary’s Name – Your name as it appears on your statement
Beneficiary’s Account Number – Your full America First Credit Union account number

International Wire

International wire transfer into your America First Credit Union account is possible through an international intermediary bank.

To following details are needed by the sender if you want to receive international wire transfers.

Wire to – Wells Fargo Bank
Address – 420 Montgomery Street,
San Francisco, CA 94104
Swift Code – WFBIUS6S
Beneficiary – America First Credit Union
Address – Ogden, UT
Routing Number – 324377516
Customer’s Name – Your name as it appears on your statement
Customer’s Account Number – Your full America First Credit Union account number

Wire Transfer Fees for America First Credit Union

Both domestic and international wire transfer fees fluctuate depending on incoming or outgoing transfers.

Consider the following fee breakdown:

International Wire Transfers – $10 for each incoming transaction in addition to Intermediary Bank Fees and $30 for each outgoing transaction in addition to Intermediary Bank Fees.

Domestic Wire Transfers – $10 for each incoming transaction and $15 for each outgoing transaction.

IMPORTANT: To ensure your money is deposited correctly, use your 12-digit account number and 9-digit routing number for your tax refund or any direct deposit. Electronic deposits or payments with an incorrect account or routing number will be returned to the sender and may delay your deposit.

AMERICAN FIRST ROUTING NUMBER 322 275 607
You’ll need this 9-digit routing number for direct deposit, tax refunds, retirement benefits, and any electronic deposit including transfers to your account from another financial institution, or to make payments online or over the phone.

ACCOUNT NUMBER for Automatic Deposits – 12-digits required
You’ll need your 12-digit account number to ensure your money is deposited to your account or for timely payments made online or by phone. The best place to find your 12-digit account number is at the bottom of your checks. American First account numbers typically lead with 3-6 leading zeros (0000), your shortened account number, and end with your 2-digit suffix which represents your account type. (Ex: 0000-234567-00)

Wire transfer is the fastest mode of receiving money in your America First Credit Union (AFCU) account. You can receive money from within USA (Domestic Wire Transfers) or from a foreign country (International wire transfer). The transaction is initiated by the sender through a financial institution, however, you need to provide your banking details to the sender for successful transfer of money.

International Wire Transfer to AFCU

International wire transfer is one of the fastest way to receive money from foreign countries. Banks use SWIFT network for exchanging messages required for performing international wire transfer. Usually, the receiving bank (in USA) and the sending bank (in other country) need to have a direct arrangement in place to start the swift transfer. Small banks and credit unions generally don’t have this arrangement, so they use services of an intermediary bank (correspondent banks) which have this arrangement to realize the wire transfer. Intermediary banks are usually big multinational banks which have working arrangements with many top banks across the world.

Note: Banks in USA don’t use IBAN account number.

Incoming International Wire Transfer Instructions

America First Credit Union doesn’t have a swift code and so it might not be able to receive the transfers directly. However, you can still receive the wire funds in your account. The sender’s international financial institution will have a corresponding bank in the U.S. they can wire to, which will forward the funds to America First Credit Union via domestic transfer using routing number. The instructions will be something like this:

Wire to:	Wells Fargo Bank, N.A.
Address:	420 Montgomery Street, San Francisco, CA 94104
Swift Code:	WFBIUS6S
Beneficiary:	America First Credit Union
Address:	1344 W 4675 S, Ogden, UT 84405
Routing Number:	324377516
For Further Credit to:	Your Name, Address and Account Number

Note of Caution on Fees: If your money transfer involves currency conversion, there is a high chance you will get a poor exchange rate from the banks and as a result pay high hidden fees. We recommend services like TransferWise for getting best conversion rates and lower wire transfer fees.

Domestic Wire Transfer to AFCU

Domestic wire transfers are run through either the Fedwire system or the Clearing House Interbank Payments System (CHIPS). Wire transfers are different from ACH transfers. Wire transfers are real time transfers (receiver usually get the money, same day) and costs more than ACH transfer (which takes 2-4 days for transfer of money).

Incoming Domestic Wire Transfer Instructions

You can receive funds to your America First Credit Union account from any bank within USA using domestic wire transfer. You need to provide the following details to sender of the funds who will initiate the domestic wire transfer through his/her financial institution.

Bank Name:	America First Credit Union
Wire Transfer Routing Number:	324377516
Account Holder Name:	Your Name
Account Number:	Your Bank Account Number
Bank Address, with City & State:	America First Credit Union P.O. Box 9199 Ogden, UT 84409 (regardless of where your account is located)

Wire Transfer Fees for America First Credit Union

International and Domestic Wire Transfer Fees for America First Credit Union are as follows:

International	Incoming	$10 for each transaction + Intermediary Bank Fees
Outgoing	$30 for each transaction + Intermediary Bank Fees
Domestic	Incoming	$10 for each transaction
Outgoing	$15 for each transaction

Note: International Payments to and from America First Credit Union will go through an intermediary bank which also charges fees ($8 – $15) for its services in additional to fees mentioned above.

Apart from the wire transfer fees, if the transfer involves currency conversion, banks make money on currency conversion as well by giving retail conversion rates to you which is usually 1-2% lower than the market rate. We recommend using services like TransferWise for getting best conversion rates with lower wire transfer fees.

Sending Wire Transfer From AFCU

To transfer funds to an International/Domestic account from your America First Credit Union account, you need to fill Wire Transfer Form.

Complete all fields on this form as per Wire Transfer Instructions.
The completed and signed Wire Transfer form can be provided to any of America First Credit Union branch.
Keep the Wire Transfer Disclosure for your records.
Wire transfer requests must be received and confirmed by cut-off time of America First Credit Union.
There is a fee for sending a wire transfer.

Note: For international wires requested after America First Credit Union daily cut-off time, due to fluctuations in the foreign exchange rates, international wire transfers for amounts other than U.S. currency will be estimated and processed on the next business day at the foreign exchange rate valid at that time.

Wire Transfer Cut-off Time for America First Credit Union

Contact AFCU branch for applicable cut-off time for wire transfers
Requests received after cut-off time will be processed the next business day.

How long do wire transfers take America First Credit Union?

be processed on the next business day. The fee for a Domestic Wire is $15 (disclosed in the Rate and Fee Schedule).

How do I send wire transfers to America First Credit Union?

To send a wire transfer, either visit an an America First branch location or call us at 1-800-999-3961. There is a fee for outgoing wire transfers. For details, please see the Bank to Bank Transfer fees in our Truth-in-Savings Rate and Fee Schedule.

Does America First have international fees?

Rates and terms are accurate as of Monday, October 03, 2022 and are subject to change. Consumer Loans have a maximum APR of 18%. ... AMONG THE LOWEST IN THE NATION..

Which routing number do I use for international transfer Bank of America?

Bank of America's SWIFT code BOFAUS3N should be used for incoming wires in U.S. dollars. Bank of America's SWIFT code BOFAUS6S should be used for incoming wires in foreign currency.