What Is a Wire Transfer?

A wire transfer is an electronic transfer of funds between financial institutions. Because wire transfers are typically processed the same business day and are not easily reversed, they are often used for time-sensitive transactions such as real estate closings or large purchases.

How to Send or Receive a Wire Transfer

To protect your account and ensure accuracy, outgoing wire transfers must be initiated directly with First Commerce.

What you’ll need:
  • A valid government-issued photo ID
  • The receiving financial institution’s wire instructions
  • Information for the recipient of the funds
  • Time for member verification and review by the First Commerce team
Wire instructions typically include details about the receiving financial institution and the recipient of the funds or their account. Our team will review everything with you to confirm accuracy before the wire is sent.

How to get started:
  • Start your request in person at a financial center or by phone
  • For security reasons, outgoing wire transfers cannot be requested by email
Timing and processing:
  • Wire requests received before 3:00 PM (EST) on a business day may be processed the same day
  • Requests received after the cutoff will be processed the next business day
  • Wires are not processed on weekends or federal holidays
  • Outgoing wire fees apply
Our team is here to guide you through the process and answer questions before your wire is sent.
If another financial institution or third party is sending you a wire, they will need FCCU’s incoming wire information. Providing complete and accurate details helps avoid delays.

For incoming domestic wiresProvide the following information to the institution sending the wire:
  • Receiving Financial Institution: First Commerce Credit Union
  • Wiring Address: 2073 Summit Lake Dr. Ste 100, Tallahassee, FL 32317
  • ABA / Routing Number: 263182516
  • For Credit To:
    • Member Name
    • Member Account Number
    • Share ID
  • Incoming Wire Fee: An incoming wire fee will be charged to the receiving account

For incoming international wires, please contact us.

If you’re unsure which account number or share ID to provide, contact us by phone before the wire is sent to avoid delays or returns.

Helping You Stay Secure

Wire transfers are commonly used and safe when handled correctly. As part of our commitment to protecting members:

  • FCCU will not change wire instructions via email or text
  • We encourage verifying wire details using a trusted phone number
  • If a request feels unexpected or unclear, pause and contact us before proceeding
These simple steps help safeguard your funds.

Helping You Stay Secure

Frequently Asked Questions

No. For security reasons, outgoing wire transfers must be initiated in person or by phone. We do not accept wire requests by email.

Most wire transfers are processed the same business day if all required information is received before 3:00 PM (EST). Requests received after the cutoff or on non-business days are processed the next business day.

 

Please note: Both FCCU and the receiving financial institution must receive and process the wire for the transaction to be successfully completed.

The sending institution will need FCCU’s incoming wire information, along with your name, account number, and applicable share ID. This information ensures funds are credited correctly.

No. Wire transfers are processed faster and are typically used for urgent or high-dollar transactions. ACH transfers generally take longer and are often used for routine payments.

If something doesn’t seem right or you have questions, contact FCCU before sending or accepting a wire. We’re here to help.

Yes. International wire instructions are different from domestic. Please contact us before the sender initiates the transfer so we can provide the correct information.

We’re Here to Help

Every wire transfer is important. Our team is ready to assist you at every step. Visit us at any of our convenient locations, or call us at 850.488.0035 or 800.533.5772

Informational Notice

This page is intended to provide general information. All outgoing wire transfers require direct member verification and credit union approval.