Wire Transfers
When you need to send or receive money fast, we have you covered.
**Please note: as of July 14, 2025, names and terms have been updated on a new, universal form. Old and new terms are reflected below.
We’re Wired to Please
Wire transfers are a convenient and reliable way to transfer funds to or from your Meridia account to another financial institution. Send money to your college student, a loved one overseas, close escrow on a home purchase or any other important reason.
Benefits
- Securely transfer funds to a domestic or international financial institution
- Receive money directly into your Meridia account
- Send or receive same-day domestic wire transfers; see deadlines
- Less expensive than other wire services
How to Wire Money
Before You Wire
Although wire transfers are fast and convenient, they’re also irreversible. Once the receiving party receives the money, you cannot cancel the transaction. Read wiring safety tips from the Federal Trade Commission*.
We strongly encourage you to evaluate the purpose of a wire transfer, as requests for wire transfers are commonly used in scams. If you are unsure about the validity of a request to send money, or have questions about sending or receiving wires, please call us at 716-648-4411 (or toll free at 866-951-8300), or visit your nearest branch.
Incoming Wires
Incoming wires are used to receive money transferred to your Meridia account. All incoming wires will be posted through Alloya Corporate Federal Credit Union.
Incoming Wire Instructions
Receiving Financial Institution/Instructed Agent:
Alloya Corporate Federal Credit Union,
184 Shuman Blvd, Suite 400, Naperville, IL 60563
Routing and Transit #271987635
Beneficiary Financial Institution/Creditor Agent:
Meridia Community Credit Union,
4500 Southwestern Blvd., Hamburg, NY 14075
Account #222380731
Beneficiary/Creditor:
Member’s name and account number at the credit union
Outgoing Wires
Our outgoing wire service is an excellent way to get funds to a domestic or international financial institution. Here are some important guidelines:
- Members can initiate wires in person or by fax. Signatures must be notarized on all transfer requests sent by fax.
- We must receive complete wiring instructions, which can be obtained from the receiving institution. Please note, complete wiring instructions include the full street address of all beneficiaries/creditors and financial institutions/creditor agents.
- Many financial institutions/creditor agents have routing numbers specifically for wire transfers, so always verify wiring instructions with the receiving institution before proceeding.
- There are deadlines for wire transfers to be initiated. Deadlines are as follows:
- Domestic Transfers: If domestic wire transfers are initiated by 1:00 pm ET, the transfer will be processed by Meridia the same day. Receiving institutions generally post to the receiving account within 24 hours, depending on their internal policy.
- International Transfers: International transfers will be initiated by Meridia the same business day if received prior to 11:30 am ET. Due to strict international regulations, the funds may take up to two weeks to be posted by the receiving financial institution.
Fees
| DESCRIPTION | FEE |
|---|---|
| Incoming Wire | $20 each |
| Outgoing Domestic Wire | $30 each |
| Outgoing International Wire | $40 each |
| Other fees may apply. | |
Frequently Asked Questions
How much does it cost to send or receive a wire transfer?
See the fees tab.
What information do I need to send a wire transfer?
It is recommended either you or your receiver contact the financial institution for their wiring instructions. You will need:
- wire purpose
- the name of your creditor/beneficiary
- the street address of your creditor/beneficiary (a PO Box cannot be used)
- the account number of your creditor/beneficiary name of their financial institution/instructed agent
- the routing number for wire transfers of the financial institution/instructed agent
- the street address (PO Box is not acceptable), city and state of the financial institution/instructed agent, and any special instructions
- if there is a Beneficiary Bank/Financial Institution, we would also need their street address and routing number for wire transfers.
In addition to the information above, the following items are required for international wires:
- Beneficiary/Creditor Phone Number
- Beneficiary/Creditor Account Number in IBAN format
- Beneficiary Bank/Creditor Agent Account Number in SWIFT Code format (8 or 11 digits, letters and numbers)
- If there is a Correspondent Bank/Creditor Agent, account number should also be in SWIFT Code format
What is the receiving financial institution address?
Receiving Financial Institution/Instructed Agent: Alloya Corporate Federal Credit Union, 1021 Watervliet-Shaker Road, Albany, NY 12212; Routing and Transit #221381715
The wire must also include Meridia Community Credit Union as the Beneficiary Bank/Creditor Agent.
What is the deadline for outgoing same-day wire transfers?
Domestic Transfers: If domestic wire transfers are initiated by 1:00 pm ET, the transfer will be processed by Meridia the same day. Receiving institutions/Instructed Agent generally post to the creditor/beneficiary within 24 hours, depending on their internal policy.
International Transfers: International transfers will be initiated by Meridia the same business day if received prior to 11:30 am ET. Due to strict international regulations, the funds may take up to two weeks to be posted by the receiving financial institution/instructed agent.
We’re Wired to Please
When you need to send or receive money fast, we have you covered.