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Wire Transfers
Send money across town or across the world
Moving money between Monterra Credit Union and other financial institutions is a simple process.
Wire funds securely and safely
Send money in U.S. dollars or a foreign currency
No fee for incoming transfers
A small fee applies for outgoing transfers
You'll need this information about the financial institution receiving the wire:
- 9-digit routing number (known as the ABA number)
- Institution name
- Branch address
- Phone number
- Name of account holder at receiving institution
- Account number of deposit account at receiving institution
- Type of account at receiving institution (savings, checking, money market)
- For the funds to be sent the same day, outgoing domestic wire forms must be received before 11:30 a.m. (Pacific Time), Monday through Friday.
Provide this information to the financial institution sending the wire:
- Monterra Credit Union
P.O. Box 910
Redwood City, CA 94064 - (650) 363-1725
- Routing number: 321174851
- Name of account holder (your name)
- Receiving account type (savings, checking, money market)
- Your MICR number, which can be found in your online banking, mobile app, checks, or by contacting us
You'll need to collect some or all of the following information:
Originator information (sender of funds)
- Your name, account number, address, phone
- Amount of wire in U.S. dollars or foreign currency
Receiving Bank
- Name and address of the financial institution receiving funds, plus its phone number
- Required codes - SWIFT Number, Sort Code, Routing Number, Bank Code or IBAN
- ABA Routing/Transit Number of the receiving financial institution
Beneficiary information (receiver of funds)
- Full name (as it appears on the account), account number, address, and province or region
- Date of birth
- Financial institution the funds are being routed or payable through
- Wire purpose
- Branch information
- Originator to beneficiary information
Once the funds leave the U.S. banking system and are out of the country, Monterra Credit Union does not have control over the process. It can take anywhere from two days to two weeks before it is credited to the account in the foreign country.
For the funds to be sent the same day, outgoing international wire forms must be received before 11:30 a.m. (Pacific Time), Monday through Friday.
Protect Yourself from Wire Scams
- Never wire money to someone you haven’t met in person or to anyone who pressures you to pay immediately, including online romance scams.
- Do not send money to anyone claiming to represent a government agency (such as the IRS or law enforcement) or a well-known company.
- Be cautious of unsolicited calls, emails, or text messages - even those that appear to come from Monterra Credit Union. Legitimate Monterra Credit Union communications will never ask you to wire money or share login credentials.
- Always verify wire instructions directly with the sender using a trusted phone number or an official website.
- Learn how to identify common wire scams at our Fraud & Security Center.
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