Need to send or receive money quickly?
A domestic or international wire transfer is your safest, speediest bet.
The wire transfer details you need, all in one place
Whether you’re sending or receiving a wire, we’ll help you understand what details you may need, what to expect, and where to go for support.
How to receive a domestic or international wire transfer
In order to receive a wire transfer, you will need to provide the sender with LMCU’s details, as well as your own personal account details.
Provide our details
Domestic
Lake Michigan Credit Union
ABA: 272480678
5664 Prairie Creek Dr SE, Caledonia, MI 49316
International
Lake Michigan Credit Union
Código SWIFT/ BIC: LMCNUS33
5664 Prairie Creek Dr SE, Caledonia, MI 49316
Notify your sender
To avoid delays or potential returns, we'll need their name & complete physical address (cannot be a PO Box) for the sender for both domestic and international wires.
Provide your details
Your 12-digit account (MICR) number
Su nombre completo
Your full physical address
Pay the Wire Fee
Charge for receiving a domestic wire transfer: $10 per wire.
Charge for receiving an international wire transfer: $15 per wire.
How to send a domestic or international wire transfer
In order to send a wire transfer, you will need to provide us with details about the recipient and their financial institution. A questionnaire and fee is also required.
Call or visit us
Face-to-face wire transfers at a branch are easiest, or call (800) 242-9790 Ext. 9950.
Provide recipient's details
We'll need their name & complete physical address (cannot be a PO Box), account number, and their bank’s routing number/address.
Complete questionnaire
Before sending a wire, you must complete a questionnaire to help protect you from wire fraud.
Pay the wire fee
Charge for sending a domestic wire transfer: $25 per wire.
Charge for sending an international wire transfer: $50 per wire.
Wire transfer FAQs
In addition to the above details about your payment’s recipient, you will also need to:
- Provide your own address (P.O. boxes are not accepted for sending or receiving wires)
- Present ID confirming your identity
- Sign a one-time “Wire Transfer Agreement” if it’s your first wire
- Complete our wire transfer questionnaire to help protect your from wire fraud
- Pay $25 for a domestic wire and $50 for an international wire
Wires are typically processed by the end of the business day, if wired before the daily deadline (4:30 p.m. for domestic wires, 2:00 p.m. for international wires).
However, internationally wired funds may take up to a month before they are available for use.
We do not allow members to wire money to or from P.O. box addresses.
If you have questions about personal wire transfers, contact our Wire Department at (800) 242-9790 Ext. 9950.
Please see our Business Wire Transfer page for more information.
