Incoming Wires

Receiving Domestic Wire Transfers To DCECU from a US Financial Institution

Fees

$0.00 for Incoming Domestic Wires

Requirements

To wire funds to DCECU, you will need the following Information:

ABA/Routing Number 272482838
Wire To / Beneficiary Institution Dow Chemical Employees’ Credit Union
P.O. Box 1649
600 E. Lyon Rd. (zip: 48640)
Midland, MI 48641-1649
Beneficiary Your Name, Your Account Number and the two digit Share ID or Loan ID1, Your Address (Street, City, State and Zip Code)

Receiving Foreign Wire Transfers To DCECU from a Non-US Financial Institution

Fees

  • $0.00 assessed by DCECU for Incoming Foreign Wires using the Originating Institution’s Correspondent Bank
  • $15.00 assessed by DCECU for Incoming Foreign Wires Using SWIFT Code

Requirements

To receive a foreign incoming wire transfer to a DCECU account, please provide the originating bank with the appropriate information about your deposit or loan account in order to ensure the money is received. Accuracy in completing instructions is critical.

Directions will vary depending on the sending bank’s practice for international wires. The sending bank may use their own Society for Worldwide Interbank Financial Telecommunication (SWIFT) code or it may use a correspondent bank to send international wires.

If using a Society for Worldwide Interbank Financial Telecommunication (SWIFT) code

Please contact DCECU for wire instructions at (989) 835-7794 or (800) 835-7794, Monday through Friday, 7:00 a.m. – 6:00 p.m. EST.

If Using a Correspondent Bank

You will need the following Information:

ABA/Routing Number 272482838
Wire To / Beneficiary Institution Dow Chemical Employees’ Credit Union
P.O. Box 1649
600 E. Lyon Rd. (zip: 48640)
Midland, MI 48641-1649
Beneficiary Your Name, Your Account Number and the two digit Share ID or Loan ID1, Your Address (Street, City, State and Zip Code)

Important Information

Several institutions may be involved in the transfer of foreign currency. These institutions often assess fees to cover the risk of currency market fluctuations. Locking in the foreign exchange currency rate guarantees the amount being sent, but it does not prevent other types of fees from being deducted from the amount of the wire transfer. DCECU is not able to control the assessment of fees by third parties.

Incoming wire transfers are accepted until 5:00 p.m. ET, Monday - Friday.

Allow one business day from receipt for foreign wire transfers to post. More than one business day may be required if all necessary information isn’t provided.

Incoming wire transfers designated as “Pay Upon Proper ID” cannot be accepted.

If a wire transfer is not received or needs to be researched because of issues, you should contact the originating financial institution for resolution.

  1. Please refer to Online Banking, 1Call, your monthly account statement or call the Credit Union for your Share ID or Loan ID ↩︎ ↩︎2