Dow Chemical Employees’ Credit Union

 
 

Incoming Wires

Receiving Domestic Wire Transfers—To DCECU from a US Financial Institution

Fee: $0.00 for Incoming Domestic Wires

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

ABA/Routing Number Wire To (Beneficiary Institution) Beneficiary
272482838 Dow Chemical Employees' Credit Union
P.O. Box 1649
600 E. Lyon Rd. (zip: 48640)
Midland, MI 48641-1649
Member’s Name
Member’s Account Number (include two digit Share ID or Loan ID*)
Member’s Address: Street, City, State and Zip Code
*Please refer to Online Banking, 1Call, your monthly account statement or call the Credit Union for your Share ID or Loan ID

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

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 the sending bank uses their own US CORRESPONDENT BANK:

Fee: $0.00 assessed by DCECU for Incoming Foreign Wires using the Originating Institution’s Correspondent Bank

ABA/Routing Number Wire To (Beneficiary Institution) Beneficiary
272482838 Dow Chemical Employees' Credit Union
P.O. Box 1649
600 E. Lyon Rd. (zip: 48640)
Midland, MI 48641-1649
Member’s Name
Member’s Account Number (include two digit Share ID or Loan ID*)
Member’s Address: Street, City, State and Zip Code
*Please refer to Online Banking, 1Call, your monthly account statement or call the Credit Union for your Share ID or Loan ID

If the sending bank requires a 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.

Fee: $15.00 assessed by DCECU for Incoming Foreign Wires Using SWIFT 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.

back to topOutgoing Domestic Destination Wires

To wire funds from DCECU, members are responsible for obtaining wire transfer instructions from the receiving financial institution. Wires will only be processed for DCECU members.

Fee Structure:

  • $25.00 for wires sent to a Beneficiary Institution within the USA

After obtaining the wire instructions from the receiving institution, a wire transfer can be initiated by calling our Member Contact Center, visiting our Account Services Department, or by completing and printing the application below.

 

Foreign Wire Notice

DCECU is unable to provide wire transfer services to locations outside the United States.
More Information