ACH Transfers

ICCU Instructions & Guidelines
ACH Transfers to Outside Checking/Savings Accounts

ACH Form (downloadable pdf)

  1. The terms ACH means the Automatic Clearing House. The “ACH transfers to outside account” process has been established to transfer funds between your Credit Union Account and your “outside” bank account.
  2. Routing instructions must be set up before any monetary transfer can be made so that your bank’s routing number – ABA number and checking or savings account number – can be set up in the system. Monetary transfers cannot be processed until the procedure has been established.
  3. It is your responsibility to notify the Credit Union of any changes you make in your banking arrangements.
  4. Print out the form and complete all required spaces. Mail, drop off, or fax the completed form to any one of our branches.
  5. Allow 48 hours (two business days) for availability of the funds. Be sure to inquire about your outside bank’s guidelines and procedures for crediting your account.
  6. The Credit Union is not liable for:
    • If, through no fault of ours, you do not have enough money in your account to make the transfer;
    • If circumstances beyond our control (such as flood, fire, power failure or system failure) prevent us from completing the transaction;
    • If the money in your account is subject to legal process or other claim;
    • If your account is frozen due to a delinquent loan; and any other exceptions as noted in this agreement.
    • The Credit Union will attempt to contact you if there is any problem in completing your requested transfer.
  7. Do not write checks in advance of the transfer and your bank’s availability of funds policy.
  8. Keep this for your records.

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