How much does it cost to send a wire transfer?

Outgoing domestic wires cost $30.00. Outgoing international wires start at $50.00 minimum. Incoming domestic or international wires cost $15.00. See the fee table above for the full breakdown.

How much does it cost to receive a wire transfer?

Incoming wire transfers — both domestic and international — have a $15.00 fee.

When will I receive my incoming wire transfer funds?

Incoming wire transfer funds are available immediately on the business day of deposit . This applies to both consumer and business accounts.

What information do I need to send a wire transfer?

You'll need the recipient's full legal name, their bank's name and routing number, their account number, and the exact amount to send. For international wires, you'll also need the recipient bank's SWIFT/BIC code and may need their bank's address.

What is BrightStar Credit Union's routing number for wire transfers?

BrightStar Credit Union's routing number (ABA) is 267078299 . This is used for both incoming domestic wire transfers and ACH transactions.

Can I send a wire transfer online?

Currently, wire transfers must be initiated in person at a BrightStar Credit Union branch. You'll need to bring a valid photo ID and the recipient's banking details. Find your nearest branch .

How long does a domestic wire transfer take?

Domestic wire transfers submitted before the daily cut-off time are typically completed the same business day. Wires submitted after the cut-off or on weekends/holidays are processed the next business day.

Are there cheaper alternatives to wire transfers?

Yes. For domestic transfers, ACH transfers are often free or low-cost, and Zelle is available for person-to-person payments at no charge. A cashier's check is another option. These alternatives may take longer to settle but are more cost-effective for non-urgent transfers.

Wire Transfers | Domestic & International | BrightStar Credit Union

Q: How long does an international wire transfer take?

International wire transfers generally take 1–5 business days, depending on the destination country, the receiving bank, and any intermediary banks involved in routing the transfer.

Q: Can I cancel or reverse a wire transfer?

Wire transfers are generally final once processed. If you need to cancel, contact your branch immediately. Cancellation may be possible if the wire has not yet been sent, but it cannot be guaranteed. Always verify recipient information carefully before authorizing a wire.

Need to send or receive funds quickly? BrightStar Credit Union offers domestic and international wire transfers with incoming funds available immediately on the business day of deposit.

Wire Transfer Fees

Wire Transfer Type	Fee
Incoming Domestic or International Wire	$15.00
Outgoing Domestic Wire	$30.00
Outgoing International Wire	$50.00 minimum

Funds Availability

Incoming wire transfers are listed under Immediate Availability — funds from wire transfers are available immediately on the business day of deposit for both consumer and business accounts.

How to Send a Wire Transfer

1. Gather Information

You'll need the recipient's full name, bank name, routing number, account number, and the amount to send. For international wires, you'll also need the SWIFT/BIC code.

2. Visit a Branch

Bring your information and valid photo ID to any BrightStar Credit Union branch. Our team will help you complete the wire transfer form and verify the details.

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3. Confirmation

Once submitted, domestic wires are typically processed the same business day. You'll receive a confirmation number for your records to track the transfer.

Receiving a Wire Transfer

To receive a wire transfer at BrightStar Credit Union, provide the sender with the following information:

Credit Union Name: BrightStar Credit Union
Routing Number (ABA): 267078299
Your Account Number: (Your BrightStar CU account number)
Your Full Name: (As it appears on your account)

For international incoming wires, the sender may also need our SWIFT code. Please contact us at 800-637-2728 for international wire details.

What is the cut-off time for same-day wire transfers?

Outgoing domestic wire transfers submitted before the cut-off time (typically early afternoon on business days) are processed the same day. Contact your branch for the exact cut-off time, as it may vary.

How long do international wire transfers take?

International outgoing wire transfers generally take 1–5 business days to arrive, depending on the destination country, the receiving bank, and any intermediary banks involved in the transfer.

Can I cancel a wire transfer?

Wire transfers are typically final and cannot be reversed once processed. If you need to cancel, contact your branch immediately — cancellation may be possible if the wire has not yet been sent, but it is not guaranteed.

Are there alternatives to wire transfers?

Yes. For domestic transfers, consider ACH transfers (often free or low-cost), Zelle for person-to-person payments, or a cashier's check. These may take longer but can save on fees. Wire transfers are best when speed is critical or the recipient requires one.

Is my wire transfer secure?

Yes. Wire transfers are processed through secure banking networks (Fedwire for domestic, SWIFT for international). However, always verify the recipient's information carefully before sending — wire fraud is a common scam. BrightStar CU will never ask you to wire funds to an unfamiliar account.

Wire Transfer Questions, Answered

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Need to Send a Wire Transfer?

Visit any BrightStar Credit Union branch or call us at 800-637-2728 to get started.

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