Sascu Wire Transfer Services — Send Money with Confidence
Sascu wire transfers move funds quickly and securely to recipients across the country or around the world. Whether sending a down payment on a home, paying an international supplier, or receiving funds from a family member, Sascu provides clear fee disclosures, same-day domestic processing, and tracking tools for every wire sent through the credit union.
A domestic wire transfer moves money electronically from a Sascu account to an account at another U.S. financial institution. The Sascu routing number 324173626 identifies the credit union within the Federal Reserve wire network, ensuring that funds route correctly whether Sascu is sending or receiving. Domestic wires are processed on business days with a 2:00 PM Mountain time cutoff. Requests submitted before the cutoff are transmitted the same day and typically arrive at the receiving bank within hours. Requests after the cutoff are held for processing on the next business day.
To send a domestic wire from Sascu, members must visit a branch in person with valid government-issued identification. The wire specialist needs the recipient's full name, the receiving bank's name, the receiving bank's ABA routing number, and the recipient's account number. If the wire is for a specific purpose such as a real estate closing, the member should bring the closing instructions or escrow letter that contains the precise wiring details. Sascu verifies the member's identity and available balance, confirms the fee with the member, and processes the transfer. Each domestic wire receives a Federal Reference number that both the sender and recipient can use to trace the payment. Members who send wires frequently can complete a standing wire authorization form at a branch to enable domestic wire origination through Sascu online banking, which avoids the need for in-person visits for routine transfers.
Receiving Domestic Wires
When someone sends a wire to a Sascu member, the sender needs three pieces of information: the Sascu routing number 324173626, the member's full 12-digit account number, and the exact name on the Sascu account as it appears on the statement. Incoming domestic wires are generally credited to the member's account on the same business day Sascu receives them. There is no fee for incoming domestic wires on most Sascu personal checking accounts. Business checking accounts may include a set number of free incoming wires per month depending on the account tier. Members who expect a large wire should notify Sascu in advance, as unusually large incoming transfers may be subject to additional verification or hold periods under federal funds availability rules.
Sascu Wire Transfer Comparison
Transfer Type
Delivery Time
Fee (Outgoing)
Required Information
Domestic Outgoing Wire
Same business day (before 2:00 PM MT cutoff)
Disclosed at time of transfer
Recipient name, bank routing number, account number
Domestic Incoming Wire
Same business day upon receipt
None (most accounts)
Sender needs Sascu routing 324173626, member account number
International Outgoing (USD)
2-5 business days
Disclosed at time of transfer
Recipient name, SWIFT/BIC, IBAN or account number, bank address
International Outgoing (Foreign Currency)
2-5 business days
Disclosed at time of transfer
Same as above plus currency specification
International Incoming Wire
1-3 business days after receipt
Varies
Sender needs Sascu SWIFT/BIC, member account details
International Wire Transfers
International wire transfers from Sascu move funds across borders through the SWIFT network, which connects over 11,000 financial institutions in more than 200 countries. Members can send wires denominated in U.S. dollars or in the recipient's local currency, depending on the destination country and the receiving bank's capabilities. International wires require more detailed recipient information than domestic wires: the recipient's full name and physical address, the receiving bank's name and address, the bank's SWIFT/BIC code, and the recipient's IBAN or account number in the format used by the destination country.
International wire fees include the Sascu processing charge plus any fees assessed by intermediary correspondent banks that handle the transfer between Sascu and the destination bank. These intermediary fees are deducted from the transfer amount as it moves through the banking chain, which means the amount the recipient receives may be less than the amount the Sascu member sent. Members can choose whether they or the recipient will bear these intermediary fees at the time the wire is initiated. The Sascu wire specialist provides a full fee breakdown during the transfer setup. For international wires exceeding certain dollar thresholds, Sascu may require additional documentation regarding the purpose of the transfer to comply with federal anti-money laundering regulations and Office of Foreign Assets Control requirements.
Receiving an international wire at Sascu requires the sender to have Sascu's SWIFT/BIC code and the member's account information. Because Sascu may use correspondent banks for international receipt, members should contact Sascu customer service at (208) 555-0147 or visit a branch to obtain the most current international wire receipt instructions. These instructions can change if Sascu's correspondent banking relationships change. Incoming international wires typically arrive within one to three business days after being sent, though extended holds may apply for currency conversion or additional regulatory review. Sascu notifies members by phone or secure message when a large international wire has been received, so the member knows the funds are available.
Sascu Routing Number and SWIFT Information
The Sascu routing number 324173626 is the nine-digit ABA identifier that directs domestic wires, ACH payments, and electronic deposits to the correct Sascu account. Members can find this number printed at the bottom left of every Sascu check, displayed in the account details section of Sascu online banking, or confirmed by calling Sascu customer service. For international wires, Sascu provides its SWIFT/BIC code to members upon request. Because SWIFT codes and correspondent bank arrangements are updated periodically, members should always obtain the current international wire instructions directly from Sascu rather than relying on outdated information from previous transfers. Providing incorrect routing or SWIFT information can delay a transfer or cause it to be returned, potentially with fees deducted by intermediary banks.
Cutoff Times, Tracking, and Problem Resolution
The Sascu wire transfer cutoff time is 2:00 PM Mountain Time on business days. A wire request submitted at 1:30 PM with complete and accurate recipient information will process the same day. A request submitted at 2:15 PM, or with missing information that requires follow-up, will be processed the next business day. Members should plan wire requests accordingly, especially for time-sensitive transfers like real estate closings or international payments where the recipient's bank may have its own processing delays.
Every outgoing Sascu wire receives a tracking identifier. Domestic wires get a Federal Reference number that the recipient's bank can use to locate the incoming funds. International wires receive a SWIFT Unique End-to-End Transaction Reference, or UETR, which enables both banks to trace the payment through every intermediary institution in the SWIFT network. If a wire does not arrive when expected, the member can provide the tracking number to the recipient, who can then ask their bank to search for the funds. Alternatively, the member can ask Sascu to initiate a wire trace, which sends a formal inquiry through the payment network. Wire traces typically produce a result within one to three business days. If funds need to be recalled, Sascu can send a recall request, though the recall is ultimately at the discretion of the receiving bank and may not succeed if the funds have already been credited to the recipient's account.
Wire Transfer Safety Practices
Sascu strongly recommends that members verify wire instructions independently before sending funds. Real estate wire fraud, in which criminals impersonate title companies or real estate agents and provide fraudulent wiring instructions, has become increasingly common. Members receiving wire instructions by email should confirm the details by calling the intended recipient at a known phone number — not a number from the same email. Sascu wire specialists are trained to ask verification questions when large or unusual wire requests are presented, and members should expect these security steps as part of the process. The Consumer Financial Protection Bureau publishes additional guidance on wire transfer safety and what to do if you suspect fraud. Sascu participates in industry fraud prevention networks and may delay processing if a wire request triggers a security alert.
Frequently Asked Questions About Sascu Wire Transfers
How do I send a wire transfer through Sascu?
Sascu members can initiate wire transfers by visiting any Sascu branch location in person with valid identification. The member provides the recipient's name, bank name, bank routing number for domestic wires or SWIFT/BIC code for international wires, the recipient's account number, and the transfer amount. Sascu verifies the member's identity and account balance before processing. Wire transfer requests received before the 2:00 PM Mountain time cutoff on business days are typically processed the same day. Requests received after the cutoff or on weekends and federal holidays are processed the next business day. Members can also initiate domestic wire transfers through Sascu online banking after completing a wire transfer authorization form at a branch.
What is the Sascu routing number for wire transfers?
The Sascu routing number is 324173626. This nine-digit ABA routing number is used for domestic wire transfers, ACH transactions, direct deposits, and electronic payments into and out of Sascu accounts. When another financial institution needs to send a wire to a Sascu member, the sender should provide the Sascu routing number 324173626 along with the member's full account number and the name on the account. For international wires, the sender also needs Sascu's SWIFT code or the corresponding intermediary bank information. Members should always verify the routing number by checking the bottom of a Sascu-issued check or by contacting Sascu customer service at (208) 555-0147 before providing it to a sender.
How much does a Sascu wire transfer cost?
Sascu wire transfer fees vary by type. Outgoing domestic wire transfers carry a fee that is disclosed at the time of the transfer request, and incoming domestic wire transfers are generally free for Sascu members. Outgoing international wire transfers in U.S. dollars and in foreign currency have fee structures that include the Sascu processing charge and any intermediary bank fees assessed by correspondent banks in the transfer chain. These fees are disclosed during the transfer setup. Sascu business checking accounts often include a certain number of free incoming wires per statement cycle. Members should ask the wire transfer specialist at the branch for a fee schedule specific to their account type before initiating a transfer.
How long does a Sascu wire transfer take?
Domestic wire transfers initiated through Sascu before the 2:00 PM Mountain time cutoff typically arrive at the recipient bank the same business day. Transfers submitted after the cutoff are processed the next business day. International wire transfers generally take two to five business days depending on the destination country, the receiving bank's processing speed, and whether intermediary correspondent banks are involved in the transfer chain. Sascu provides a Federal Reference number for every outgoing domestic wire and a SWIFT UETR code for international wires, which allows both the sending and receiving parties to track the transfer's progress through the banking network.
What information do I need to receive a wire transfer at Sascu?
To receive a domestic wire transfer into your Sascu account, provide the sender with the Sascu routing number 324173626, your full 12-digit Sascu account number, and the exact name as it appears on your Sascu account. For international wire transfers, the sender will additionally need Sascu's SWIFT/BIC code and may need the name and address of Sascu's correspondent bank. Contact Sascu customer service at (208) 555-0147 or visit a branch to obtain the correct international wire instructions, as intermediary bank requirements can change. Incoming wires are typically credited to the member's Sascu account the same business day they are received by Sascu.
When I need to send a wire for a hardware procurement, I walk into the Sascu branch, the specialist pulls up my account, and the whole thing takes maybe fifteen minutes. The confirmation number they give me lets the vendor track the payment on their end, so there's no back and forth about whether the money landed.