LEAVING FWCCU.ORG
Move Money
Send, Transfer, & Manage Your Money with Ease
Whether you're moving money between your own accounts, paying someone back, or sending funds to another financial institution, Fort Worth City Credit Union offers several convenient ways to get your money where it needs to go.
Not sure which transfer option to use? We've broken down the differences to help you find the right fit.
Which Money Transfer Option is Right For You?
Whether you're moving money between your own accounts, paying someone back, or sending funds to another financial institution, Fort Worth City Credit Union offers several convenient ways to get your money where it needs to go.
Not sure which transfer option to use? We've broken down the differences to help you find the right fit.
| Transfer Type: | Best For: | Transfer Speed: | How to Initiate: |
|---|---|---|---|
| Bank Wire Transfer | Sending money quickly to another financial institution | Typically sent within approximately one hour if sent before 4 p.m. business days | Contact Member Services |
| External Transfers (A2A) | Moving money between your own accounts at different financial institutions | Up to 3 business days | Digital Banking |
| Recurring Electronic ACH Transfers | Automatically transferring a set amount on a regular schedule | Based on scheduled transfer date | Contact Member Services |
| Zelle® | Sending money to people you know and trust using their phone number or email address | Typically within minutes | Zelle® in Digital Banking App |
| Member-to-Member (M2M) | Sending money to another FWCCU member using their member number and last name | Immediate | Digital Banking |
| Person-to-Person (P2P) | Another way to send money to someone using their phone number or email address | Varies based on how funds are claimed | Bill Pay in Digital Banking |
Wire Transfers
When You Need to Send Money Fast
Need to make a time-sensitive payment, pay off a loan, or send money to someone at another financial institution? A domestic wire transfer is one of the fastest ways to send funds directly from your FWCCU account.
How Wire Transfers Work
Wire transfers are generally used for one-time payments when speed is important. To send a domestic wire, you'll need the recipient's name, the receiving financial institution's routing number, and the recipient's account number.
Speed: Typically sent within approximately one hour during business hours. When funds become available depends on the receiving financial institution.
Cost: $20 per domestic wire transfer.
Cutoff Time: Requests received after 4:00 p.m. will be sent the next business day.
Payment: Funds are deducted from your FWCCU account when the wire is sent.
Important: Wire transfers are typically difficult or impossible to reverse. Only send money to people you know and trust, and always independently verify the recipient's information before sending.
Ready to send a wire? Contact Member Services at 817.732.2803 for assistance.
Transfer Money Between Your Own Accounts
External Account-to-Account Transfers (A2A)
Have an account at another bank or credit union? External A2A transfers let you move money between your FWCCU account and accounts you own at other U.S. financial institutions.
They're a great option for moving savings, transferring funds between checking accounts, or managing money across multiple financial institutions without paying wire transfer fees.
How A2A Transfers Work
Best For: Transferring money between accounts you own at different financial institutions.
Speed: Up to three business days.
Cost: Free.
How to Get Started: Set up transfers through FWCCU Digital Banking.
To connect an external account, you'll provide the other financial institution's routing and account numbers and verify ownership. Once verified, you can initiate transfers to or from your linked accounts through Digital Banking. Transfers cannot be completed if either account has a negative balance.
Recurring Electronic Funds Transfers (EFT)
Set It Once, and Let It Happen Automatically
Want to transfer the same amount of money on a regular schedule? A recurring EFT authorization makes it easy to automate transfers without having to remember to initiate them each time.
Unlike A2A transfers, a recurring EFT is established through Member Services and automatically processes according to your instructions.
Best For: Loan payments, recurring transfers between financial institutions, or other scheduled money movements.
Frequency: Weekly or monthly.
Cost: Free.
How to Get Started: Contact Member Services to establish an EFT authorization.
Recurring transfers must use the same accounts, amount, and scheduled day each time. Once established, transfers continue automatically until you request cancellation.
Ready to automate your transfers? Call Member Services at 817.732.2803.
Send Money to Other People
Zelle®
A Fast Way to Send Money to People You Trust
Need to split a dinner bill, pay someone back, or send money to a family member? Zelle® lets you send money directly to people you know and trust, even if they bank somewhere else in the U.S.
Zelle® is available through the FWCCU Digital Banking app, and money is typically available within minutes when both parties are enrolled.
Best For: Quickly sending money to friends and family you know and trust.
Speed: Typically within minutes.
How to Get Started: Access Zelle® through the FWCCU Digital Banking app.
Remember: Only use Zelle® to send money to people you know and trust. Payments to enrolled recipients generally cannot be reversed.
¹U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Member-to-Member Transfers (M2M)
Sending Money to Another FWCCU Member? It's Easy.
If the person you're sending money to is also an FWCCU member, you can transfer funds directly between your accounts through Digital Banking.
Whether you're helping a family member, paying back a friend, or transferring money between separate FWCCU memberships, M2M transfers are quick and convenient.
Best For: Sending money directly to another FWCCU member.
Speed: Immediate.
Cost: Free.
How to Get Started: Log in to Digital Banking.
You'll need the recipient's last name, FWCCU member number, and sub-account number (such as 01, 11, or 12).
Person-to-Person Transfers (P2P)
Pay a Friend Without Asking for Their Bank Account Information
Need to pay the babysitter, reimburse a coworker, or send someone a gift? Person-to-person (P2P) transfers, also called Pay a Friend, let you send money without having to collect the recipient's banking information.
How P2P Transfers Work
Log in to FWCCU Digital Banking and go to Bill Pay to initiate a P2P transfer.
Enter the recipient's mobile phone number or email address.
Create a security phrase to share with the recipient.
The recipient receives a personalized link with instructions for claiming the money.
Best For: Sending money to someone who may not have an FWCCU account.
Speed: Varies based on how and when the recipient claims the funds.
How to Get Started: Use the P2P transfer feature in Bill Pay in Digital Banking.
Transaction limits apply. Some financial institutions may not allow their debit cards to receive P2P transfers. If a recipient's card is not eligible, they can select the bank account information option instead.
Not Sure Which Transfer to Use?
Here's a simple way to decide:
Need to send a large or time-sensitive payment? Consider a wire transfer.
Moving money between accounts you own? Use an external A2A transfer.
Want to automate regular transfers? Set up a recurring EFT.
Paying a friend or family member? Zelle® or P2P may be a good fit.
Sending money to another FWCCU member? Use a free, immediate M2M transfer.
Still have questions? Our Member Services team is happy to help you choose the best option. Call 817.732.2803 or visit either FWCCU branch for assistance.