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Money Transfers

Mail Deposits

Mail deposits are received on non-holiday weekdays and should be made payable to your name and credit union account number. Allow 5 to 7 business days for a deposit to reach the credit union. Mail deposits to P.O. Box 7850, Ann Arbor, MI 48107.

Direct Deposits/Electronic Withdrawals

Direct deposits and automatic withdrawals are processed electronically by ACH on non-holiday weekdays. You will need the credit union routing number (272476543) and the Electronic Account number for your account.  For checking accounts, the Electronic Account number is located at the bottom of your checks. For all types of accounts, the Electronic Account number can found by going to the Account Summary screen in MemberNet, then clicking on the description of the account.

Receiving Wires

Receiving a wire to your UMCU account is $10. You will need to provide the following information to the financial institution sending the funds:

UMCU Address: University of Michigan Credit Union, 340 E. Huron, Ann Arbor, MI, 48104
ABA Routing Number: 2724-7654-3
Your Account Number:

Please click here to download a paper form


Sending Wires

Visit any branch and a member service representative will help you wire funds to an account at another credit union or bank. You will first need to sign a Funds Transfer Agreement that is kept on file at the credit union for verification of wire requests made in the future. The Authorization for Wire Transfer is then completed for each wire requested. For members needing assistance remotely, call our Contact Center at 800-968-8628 or 734-662-8200 and a Contact Center Specialist will be able to assist you.

Requests for wires going to a destination within the United States must be received at the credit union by 4:00 p.m., Monday through Friday. Requests for outgoing foreign wires must be received by 1:00 p.m. Monday through Friday. Wires cannot be processed on holidays or weekends.

The fee for an outgoing domestic wire transfer is $25 and the international wire transfer fee is $45.

Unavailable Wire Destinations

You may not be able to conduct banking transactions, such as wires, in/to the following countries. Please contact UMCU to confirm the status of the country where you wish to wire funds. Unavailable Wire Destinations: Cuba, North Korea, Libya, Iraq, Iran, Burma (Myanmar), Sudan, The Balkans, Zimbabwe, Syria, Côte D'ivoire, Belarus, Democratic Republic of the Congo.

*UMCU is not responsible for any fees that may be charged by any pass-through or receiving financial institutions.

For additional information contact the Contact Center at 800-968-8628 or 734-662-8200 .

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734-662-8200 or 800-968-8628