Incoming Wires

Receiving Domestic Wire Transfers to Dow Credit Union from a US Financial Institution

Fees

There are no fees for incoming domestic wires.

 

Requirements

To wire funds to Dow Credit Union, you will need the following information:

ABA/Routing Number272482838
Wire To / Beneficiary InstitutionDow Credit Union
P.O. Box 1649
600 E. Lyon Rd. (zip: 48640)
Midland, MI 48641-1649
Beneficiary

Your Name, Your 13-Digit Account/Loan Number1, Your valid Address (Street, City, State, and Zip Code) 

 

Receiving International Wire Transfers to Dow Credit Union from a Non-US Financial Institution

Fees

There are no fees assessed by Dow Credit Union for incoming international wires using the originating institution’s correspondent bank.

A $10.00 fee is assessed by Dow Credit Union for incoming international wires using SWIFT Code.

 

Requirements

To receive an international incoming wire transfer to a Dow Credit Union 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 its own Society for Worldwide Interbank Financial Telecommunication (SWIFT) code or a correspondent bank to send international wires.

If using a Society for Worldwide Interbank Financial Telecommunication (SWIFT) code:

Please contact Dow Credit Union for wire instructions at (989) 835-7794 or (800) 835-7794, Monday through Friday, 7:00 a.m. – 6:00 p.m. EST.

If using a Correspondent Bank:

You will need the following Information:

ABA/Routing Number272482838
Wire To / Beneficiary InstitutionDow Credit Union
P.O. Box 1649
600 E. Lyon Rd. (zip: 48640)
Midland, MI 48641-1649
BeneficiaryYour Name, Your 13-Digit Account/Loan Number1, Your Address (Street, City, State, and Zip Code)

Important Information

Several institutions may be involved in the transfer of international currency. These institutions often assess fees to cover the risk of currency market fluctuations. Locking in the international 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. Dow Credit Union is not able to control the assessment of fees by third parties.

  • Incoming wire transfers are accepted until 4:00 p.m. ET, Monday - Friday.2
  • Allow one business day from receipt for international 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.

 

  1. Please refer to online banking, your monthly account statement, or call the Credit Union for your 13-digit account/loan number.
  2. Incoming/Outgoing Domestic and International Wire Transfer requests are unavailable on the following observed holidays: New Year’s Eve & Day, Martin Luther King Jr. Day, President’s Day, Good Friday, Memorial Day, Juneteenth, Fourth of July, Labor Day, Columbus Day, Veterans Day, Thanksgiving, Christmas Eve & Day. This includes days the credit union is closed. This also includes Federal Reserve holidays.