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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.

Wire Deposits

Deposits are received on non-holiday weekdays, electronically. For wire transfers, follow the instructions below:

Wire To:

Beneficiary Financial Institution:
University of Michigan Credit Union
Routing Number 2724-7654-3
340 E. Huron, Ann Arbor, MI 48104

Your name and credit union account number

Outgoing 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 incoming wire transfer is $10, the outgoing wire transfer fee is $25, and the international wire transfer fee is $45.

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

NOTE: Members are responsible for fees that other financial institutions may charge for processing a cable or wire deposit.

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

UMCU Online Banking loginUMCU Financial Calculators
Equal Housing Opportunity National Credit Union Administration
Federally Insured by NCUA.
734-662-8200 or 800-968-8628