What You Need To Know About Wire Transfers
Need to send money quickly and securely to another bank? A wire transfer is a fast way to move funds to a trusted person or business.
What you’ll need for a wire transfer
- Receiver name (person or business)
- Receiver address (street, city, state, ZIP)
- Receiver account number at their bank
- Receiving bank name, routing number, and full bank address
- Wire amount
How to request a wire (by phone)
- Call our Member Services Contact Center at 260-373-1633
- Be ready to provide the details above
- We may request a copy of your current (not expired) photo ID or signature to be emailed to [email protected]
Only send wired funds to a trusted recipient. Wire instructions contain personally identifiable information and can be used for fraud if exposed — please store, transmit, and dispose of this information securely.
How to avoid wire fraud and scams
Wires are like cash, once a wire is sent, it can be difficult (and sometimes impossible) to reverse. Scammers often pressure people to pay by wire because the money can move quickly.
- Always verify wire instructions using a trusted method. If you receive wire instructions by email or text — especially if they are “updated” or “corrected” — pause and confirm details by calling the recipient using a published phone number you look up yourself (not a number provided in the message).
- Watch for red flags: urgent or secret requests, last-minute changes, unusual timing (after hours/holidays), spelling or domain-name lookalikes, or anyone who discourages you from calling to confirm.
- Don’t share sensitive info. Never send your online banking login, passwords, PIN, or one-time passcodes (OTPs) to anyone. If you’re unsure, hang up and call back using a known number.
Real estate wires: Confirm all wiring instructions directly with your realtor, lender, or title/escrow company by phone using a trusted, independently verified number. Be especially cautious of any email that changes instructions right before closing.
If you suspect fraud: Stop and contact us immediately. If a wire has already been sent, call your financial institution right away and ask them to contact the receiving bank as soon as possible, and report the incident to the FBI’s Internet Crime Complaint Center (IC3).