Send and receive domestic and international wire transfers through Eglin Federal Credit Union. Domestic wires submitted before 3:00 PM CT deliver same business day. International wires process within 1-3 business days via SWIFT. The Eglin FCU routing number for all wires is 263179804.
Wire transfers move funds electronically between financial institutions in real time — or close to it. Eglin Federal Credit Union offers both domestic wire transfers through the Federal Reserve's Fedwire system and international wire transfers through the SWIFT network. Unlike ACH transfers that batch-process overnight, wires settle individually and provide confirmed delivery on the same business day for domestic transactions. This makes wires the preferred method for time-sensitive payments such as real estate closings, vehicle purchases, emergency funds to deployed family members, and business-to-business settlements. Eglin FCU's routing number — 263179804 — is required on all incoming wire instructions. Members can initiate outgoing wires through online banking, by phone at (850) 862-0111, or in person at any branch. All wire transactions comply with CFPB Regulation E and Bank Secrecy Act reporting requirements.
Same-day delivery within the United States.
Domestic outgoing wires cost $25 per transaction. The fee is debited from your sending account at the time of processing. Wires submitted through online banking before the 3:00 PM CT cutoff on a business day deliver same day. Submissions after cutoff, on weekends, or on federal holidays queue for the next business day. Domestic incoming wires cost $15 and typically post to your account within 1-2 hours of receipt during business hours.
To send a domestic wire, you need the recipient's full legal name, their bank's ABA routing number, the recipient's account number, and the bank's name and address. Eglin FCU verifies all outgoing wire details before processing. For wires exceeding $10,000, additional verification and Currency Transaction Report (CTR) filing may apply per federal requirements.
Log in to Eglin FCU online banking. Navigate to Transfers, then select Wire Transfer. Choose Domestic. Enter the recipient details, amount, and an optional memo. Review the summary screen — confirm the routing number, account number, and amount. Submit. You will receive a confirmation number and email receipt. Wire status updates appear in your transaction history within 30 minutes.
Send funds worldwide through the SWIFT network.
International outgoing wires cost $45 per transaction. Delivery takes 1-3 business days depending on the destination country, intermediary banks involved, and time zone differences. International incoming wires cost $15. Currency conversion occurs at the receiving institution's prevailing exchange rate unless a foreign exchange contract is arranged in advance.
To send an international wire, you need the recipient's full legal name, their bank's SWIFT/BIC code, the recipient's IBAN (for countries that use IBAN), the bank's name and address, the recipient's physical address, and the purpose of the wire. Eglin FCU's SWIFT code for receiving international wires should be confirmed with member services, as intermediary bank routing may be required depending on the originating country.
Service members stationed or deployed overseas frequently wire funds for stateside obligations — mortgage payments, vehicle purchases, or family support. Initiate wires through online banking to avoid international calling charges. Schedule wires early in the week to account for time zone differences and correspondent bank processing. For recurring overseas needs, consider setting up Bill Pay for predictable amounts, reserving wires for one-time or urgent transfers.
ACH transfers batch-process through the Automated Clearing House network and settle in 1-3 business days. They are free at Eglin FCU and best suited for routine, non-urgent transfers like payroll direct deposit, recurring bill payments, and account funding between institutions. Wire transfers process individually through Fedwire (domestic) or SWIFT (international), settle same day for domestic transactions, and carry a per-transaction fee. Use wires for real estate closings, large purchases requiring guaranteed funds, time-sensitive emergency payments, and any scenario where the recipient needs confirmed, irrevocable funds on the same day.
| Wire Type | Fee | Timeline | Cutoff | Daily Limit |
|---|---|---|---|---|
| Domestic Outgoing | $25 | Same business day | 3:00 PM CT | $50,000 online / higher in-branch |
| Domestic Incoming | $15 | 1-2 hours during business hours | N/A | No limit |
| International Outgoing | $45 | 1-3 business days | 2:00 PM CT | $25,000 online / higher in-branch |
| International Incoming | $15 | 1-3 business days | N/A | No limit |
| ACH Transfer (comparison) | Free | 1-3 business days | 4:00 PM CT | $25,000 |
The Eglin Federal Credit Union ABA routing number for all wire transfers — domestic and international — is 263179804. Provide this number along with your account number to the sending institution. The routing number is also used for ACH direct deposits and automatic payments. See our routing number page for additional details.
Domestic outgoing wires cost $25. Domestic incoming wires cost $15. International outgoing wires cost $45. International incoming wires cost $15. There is no fee for receiving domestic ACH transfers. All wire fees are debited from the sending account at the time of processing.
Domestic wire transfers submitted through Eglin Federal Credit Union online banking before 3:00 PM Central Time on a business day are processed for same-day delivery via the Federal Reserve wire system (Fedwire). Requests submitted after 3:00 PM CT or on weekends and federal holidays process the next business day.
Yes. Deployed members can initiate domestic wire transfers through Eglin FCU online banking from any internet connection worldwide. International wire transfers can also be initiated online. Processing times and cutoffs remain the same regardless of sender location. For urgent wires, call member services at (850) 862-0111.
Wire transfers are individual, real-time transactions processed through Fedwire (domestic) or SWIFT (international). They settle same day and carry a fee. ACH transfers are batched, processed through the Automated Clearing House network, settle in 1-3 business days, and are typically free at Eglin FCU. Use wires for time-sensitive or large transactions. Use ACH for routine transfers.
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