Send and receive money

Wire transfers

Send or receive money directly between financial institutions. Here's what to know before you start.

Send money fast

A wire is the most direct way to send money. Closing on a house, paying a contractor, sending funds overseas: the money moves straight from our institution to theirs, often the same business day. Because it’s that direct, a wire is also permanent, so we confirm the details with you before it goes out.

1:45 p.m.

International wire cutoff, Central

2:45 p.m.

Domestic wire cutoff, Central

Agreement

Signed Wire Transfer Agreement required

Final

Sent wires usually can't be reversed

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Double-check before you send

Wires are sent using the account number, not the name. If the account number is right, the money may go through even if the name is wrong, and we may not be able to get it back. Treat every wire like a cash transaction. Only send money to people and businesses you know and trust, and confirm payment instructions using a phone number you know is real. Learn more on our Fraud Prevention and Travel page.

How to send a wire transfer

Sending a wire takes four steps. Our team will guide you through each one.

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Make sure you have an agreement on file

You'll need a signed Wire Transfer Agreement before we can send a wire. We can set one up when you visit a branch. If you can't come in, call us and we'll help you sign electronically or with a notarized form.

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Gather the details

You'll need:

Your name and account information
The recipient's full name and address
The recipient's account number
The receiving financial institution's name, full address, and routing number
Intermediary bank information, if needed
The wire amount and the date you want it sent
The reason for the wire (required for wires of $10,000 or more)

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Verify your identity

In person, bring a photo ID and your security code. By phone or electronically, we'll ask for your security code and a few verification questions. We record phone requests and will let you know when recording begins. For some wires, we may call you back to confirm.

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Review and authorize

We'll read back the recipient's name, account number, financial institution, amount, and any special instructions. Once you confirm, you'll sign the request or give a recorded verbal authorization. Several team members review and release every wire as an added layer of protection.

Timing & funds availability

Submit your request before the cutoff time to have it processed that business day. Funds generally need to be in your account for at least seven days before we can send a wire. Cash deposits don't have to wait. Funds from ACH deposits, check deposits, loan proceeds, or home equity line advances may need additional review and approval. If you need to wire recently deposited funds, call us before you start.

Receiving a wire transfer

Give the sender the information below. Be sure they include your full name and member number so we can credit the right account.

Credit to

Millennium Corporate Credit Union

8615 W. Frazier, Wichita, KS 67212

ABA/routing number 301180111

Further credit to

Heartland Credit Union

900 E. 23rd Ave., Hutchinson, KS 67502

ABA/routing number 301178372

Final credit to

Your full name and member number

Need help finding your member number or account details? Find instructions here. See our fee schedule for current wire fees.

Wire transfer questions

Usually not. If you think you've made a mistake or been targeted by a scam, call us right away at 800.428.8472. We'll work with you immediately, but we can't guarantee the money can be recovered.

Ready to send a wire?

Call us at 800.428.8472 or visit a branch, and we'll walk you through it. Our eBranch team is available 8 a.m.-5:30 p.m. Monday-Friday. Since cutoff times are earlier than closing, call early in the day.

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