Wire Transfers, Loan Payments and Transfer Funds, Wire Transfer - Star One Credit Union, California
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Routing number: 321177968
In your best interest

Transfer Funds and Pay Loans

Make loan payments and transfer funds to and from other banking institutions.

Compare Funds Transfer Options

  • Introducing Instant Pay

    $0 fee
    Within seconds

    Transfer funds to an account outside Star One in just seconds.

    Transfer limit: up to $5,000 per day*.

    Beware of scams. An Instant Pay transaction cannot be cancelled or reversed.

    * Restrictions may apply, see terms and conditions.

    Learn more about Instant Pay

  • Same Day Transfers

    $0 fee
    Same day—if submitted before 12 p.m. on a business day

    Transfer funds to an account outside Star One in the USA.

    Transfer limit: $25,000 per 24-hour period.

    After funds are transferred, deposit into the recipient's account may or may not be instant—depending on the receiving financial institution's processes.

  • Zelle®

    $0 fee
    Available only in Mobile Banking

    Zelle® is a way to send, receive and request money quickly, safely and securely.

    Get money to and from friends, family and people you trust who have a bank account in the U.S.

    Money sent with Zelle® is typically available to an enrolled recipient within minutes.

    Payment limit: $2,500 in a rolling 24 hours.

    Learn more about Zelle®

  • Recurring ACH Transfers

    $0 fee

    Automatic scheduled transfers to or from outside accounts on a regular basis (e.g., weekly, bi-weekly, or monthly).

    Minimum transfer: $5.

    Transaction limits: $15,000 weekly, $5,000 daily.

    Maximum 3 transactions per day, 3 per week.


    How to set up a Recurring ACH Transfer

    Simply submit the "ACH Recurring Authorization" form in the Forms area in Online Banking at least 10 days before you would like a new or existing payment or transfer to take place.

    Alternatively, print and complete our printable form and mail or deliver it to us.

    If your recurring payment or transfer date falls on a weekend or non-business day, your payment or transfer will occur on the business day prior to your requested transfer date.

    If funds are not available in the source account, a $15.00 non-sufficient funds/overdraft fee will be charged.


  • Transfers Within Star One

    $0 fee
    Instant or future transfers

    Transfer funds instantly between your Star One accounts and loans, or cross-member accounts.

    Or, schedule future or recurring transfers.

    No maximum transfer amount.


    Account Transfers

    Transfers are in real time except when holds on your accounts prevent funds from being available.

    For transfers outside of normal business hours, your transfer will be posted using the next business date. A results message will appear after the transfer is processed. We recommend that you print the message for your records.


    Scheduled Transfers

    Set up money transfers for a later date between your Star One accounts and loans. Initiate a one-time transfer or a series of transfers. Have an e-mail reminder sent to you when the transfer is complete, if desired.

    In the Transfers menu, select "To/From My Accounts," then select the Scheduled tab.


    Cross-Member Transfers

    To move money to other accounts at Star One, select "To Other Members" in the Transfers menu.


  • International ACH Transfers

    $20 fee

    Quick and cost-effective one-time electronic transfers worldwide.

    No maximum transfer amount.


    All international ACH transfers are subject to Star One approval. For your security, we may use additional authentication methods to verify your identity.

    Requests must be submitted by 1:00pm PST in order to be processed the same day.

    Applicable countries:

    Albania

    Algeria

    Andorra

    Angola

    Argentina

    Armenia

    Aruba

    Australia

    Austria

    Azerbaijan

    Bahamas

    Bahrain

    Bangladesh

    Barbados

    Belgium

    Belize

    Benin

    Bermuda

    Bhutan

    Bolivia

    Bosnia-Herzegovina

    Brazil

    Brunei

    Bulgaria

    Burkina

    Burundi

    Cambodia

    Cameroon

    Canada

    Cape Verde Island

    Cayman

    Chad

    Chile

    China

    Colombia

    Comoros

    Congo

    Costa Rica

    Cote d'Ivoire

    Croatia

    Cyprus

    Czech Republic

    Denmark

    Djibouti

    Dominican Republic

    Egypt

    El Salvador

    Equatorial Guinea

    Eritrea

    Estonia

    Falklands

    Finland

    France

    French Guiana

    French Polynesia

    Gabon

    Gambia

    Georgia

    Germany

    Ghana

    Gibraltar

    Great Britain

    Greece

    Guadeloupe

    Guatemala

    Guinea

    Guinea-Bissau

    Guyana

    Haiti

    Honduras

    Hong Kong

    Hungary

    Iceland

    India

    Indonesia

    Ireland

    Israel

    Italy

    Jamaica

    Japan

    Jordan

    Kazakhstan

    Kenya

    Korea, South

    Kuwait

    Kyrgystan

    Laos

    Latvia

    Lesotho

    Liechtenstein

    Lithuania

    Luxembourg

    Macao

    Macedonia

    Madagascar

    Malawi

    Malaysia

    Maldives

    Mali

    Malta

    Martinique

    Mauritania

    Mauritius

    Mayotte

    Mexico

    Moldova

    Monaco

    Mongolia

    Montenegro

    Morocco

    Mozambique

    Namibia

    Nepal

    Netherlands

    Netherlands Antilles

    New Calendonia

    New Zealand

    Niger

    Nigeria

    Norway

    Oman

    Pakistan

    Panama

    Papua New Guinea

    Paraguay

    Peru

    Philippines

    Poland

    Portugal

    Qatar

    Reunion

    Romania

    Rwanda

    Samoa

    San Marino

    Sao Tome and Principe

    Saudi Arabia

    Senegal

    Serbia

    Seychelles

    Sierra Leone

    Singapore

    Slovakia

    Slovenia

    Solomon Island

    South Africa

    Spain

    St. Pierre and Miquelon

    Suriname

    Swaziland

    Sweden

    Switzerland

    Taiwan

    Tajikistan

    Tanzania

    Thailand

    Togo

    Tonga

    Trinidad/Tobago

    Tunisia

    Turkey

    Turkmenistan

    UAE

    Uganda

    Ukraine

    United Kingdom

    United States

    Uruguay

    Uzbekistan

    Vanuatu

    Vatican City

    Vietnam

    Wallis and Futuna

    Zambia


  • Wire Transfers

    $30-$40 fee**
    Outgoing, domestic

    $50-$60 fee**
    Outgoing, international

    $0 fee***
    Incoming

    Domestic or international one-time electronic funds transfers between Star One and other financial institutions.

    Often used for large sums, such as for a mortgage down payment.

    No maximum transfer amount.

    ** Lower fee applies if account/loan balance is over $5,000 or if submitted online.

    *** Receiving institutions may charge an additional fee for incoming wires.


    1. All wire transfer requests are subject to Star One approval.
    2. Star One will call you to confirm the transaction amount and beneficiary details of your outgoing wire transfer.
    3. For your security we may use additional authentication methods to verify your identity.

    Deadlines

    1:00 pm PST for same-day international outgoing wires.

    2:00 pm PST for same-day domestic outgoing wires.

    3:00 pm PST for same-day domestic incoming wires. (International incoming wire transfers may take additional time.)

    To receive a wire transfer into your Star One account, please provide the domestic or international instructions below to the financial institution sending the funds.

    Star One Credit Union does not charge a fee for incoming wire transfers.

    There is a 3:00 p.m. PST deadline for same-day domestic incoming wires. International incoming wire transfers may take additional time.

    Incoming Domestic Wire Instructions

    Wire to:

    STAR ONE CREDIT UNION
    1306 Bordeaux Drive
    Sunnyvale, CA 94089
    (408) 543-5202
    (866) 543-5202

    Routing / ABA #: 321177968 (always use this ABA/routing number when transferring funds to or from Star One)

    Credit to: FULL NAME ON YOUR STAR ONE ACCOUNT

    Account #: YOUR STAR ONE MEMBER NUMBER, followed by a dash specifying Savings or Checking (e.g. 123456789-1)

    Incoming International Wire Instructions

    • Star One does not charge a fee for incoming wire transfers.
    • Fees may be charged by other financial institutions during the wire transfer process which are beyond Star One’s control.

    For incoming wire transfers that are not initiated in US dollars, Canadian Dollars, Euros and Great British Pounds, please call us for instructions.

    Wires are posted throughout the day, Monday through Friday until 3:00 p.m. Any wires received at the end of day will be posted the next business day (Monday through Friday).

    If the foreign-exchange currency rate is locked in, the amount to be received is guaranteed (less any service charges as mentioned above).

    However, if a wire is sent in USD, the exchange rate will be unknown.

    Incoming International Wire Transfer in US DOLLARS
    Beneficiary Bank SWIFT BIC: WFBIUS6S
    Beneficiary Bank Name: Wells Fargo Bank
    Beneficiary Bank Address: 420 Montgomery Street, San Francisco, CA 94104
    Beneficiary Account Number: //FW321177968
    Beneficiary Name: Star One Credit Union
    Beneficiary Address: 1306 Bordeaux Dr, Sunnyvale, California, 94089
    Sender to Receiving Information: FOR FURTHER CREDIT: Full name on your Star One CU Account, Your Star One CU Membership number (e.g. 123456789-1)
    Incoming International Wire Transfer in Foreign Currency
    Beneficiary Bank SWIFT BIC: WFBIUS6WFFX
    Beneficiary Bank Name: Wells Fargo Bank
    Beneficiary Bank Address: 420 Montgomery Street, San Francisco, CA 94104
    Beneficiary Account Number: //FW321177968
    Beneficiary Name: Star One Credit Union
    Beneficiary Address: 1306 Bordeaux Dr, Sunnyvale, California, 94089
    Sender to Receiving Information: FOR FURTHER CREDIT: Full name on your Star One CU Account, Your Star One CU Membership number (e.g. 123456789-1)

    Domestic Wires are sent within the United States in US Dollars only. A US Bank is a bank that is incorporated within the United States, or subject to Federal and State Banking Regulations, whose deposits are insured by an Agency of the Federal Government.

    To send a Domestic Wire, the following information is needed:

    • Receiving bank name, address and 9-digit ABA/Routing number and,
    • Recipient's name, address and account number.

    The Outgoing Wire Transfer Request Form is located in Online Banking in the Forms menu.

    Please note that the receiving institution may charge an additional fee for incoming wires.

    Unlike many institutions, Star One does not add a markup to the standard fee for foreign-currency wire transfers.

    We send funds in the receiving country's currency, unless the receiving account is specifically designated as a US Dollar account. This ensures compliance with regulatory requirements for remittance transfers.

    Prior to your wire being sent, Star One provides disclosures to you, which include details such as the rate of conversion to the foreign currency. For requests received by fax, the disclosure will be sent to the email address on record at Star One.

    A 30-minute waiting time applies before a wire transfer is sent, in case you wish to cancel.

    Outgoing international wire transfers are processed through a US Correspondent Bank. The recipient bank is responsible for crediting the received funds. The actual amount received by the recipient may be reduced by charges imposed by the recipient bank. For more information about foreign exchange, call us.

    It is important to note that if there are any errors on an international wire transfer sent in foreign currency, Star One may not be notified of any delay or problem for up to 10 business days.

    To initiate an outgoing international wire transfer, please call us during regular business hours for information and instructions. Accuracy is very important when completing your request form. Incorrect or incomplete information can delay a wire transfer.

    Wire transfers may be sent in the following currencies:

    United Arab Emirates Dirhans

    Albanian Lek

    Argentinian Pesos

    Armenian Dran

    Australian Dollars

    Bahamian Dollars

    Bangladesh Takas

    Bosnian Mark

    Brazilian Real

    Bulgarian Lev

    Bahraini Dinars

    Bolivian Pesos

    Botswana Pulas

    Cambodia Riel

    Canadian Dollars

    Chilean Pesos

    Chinese Yuan

    Colombian Pesos

    Costa Rican Colons

    Croatia Kuna

    Czech Korunas

    Denmark Krones

    Dominican Peso

    Egyptian Pounds

    Euros

    Fiji Dollars

    French Polynesian Tahitian Franc

    Ghanaian Cedis

    Great Britian Pounds

    Guatemalan Quetzals

    Honduran Lempiras

    Hong Kong Dollars

    Hungarian Forints

    Indonesian Rupiahs

    Indian Rupees

    Jamaican Dollars

    Israeli Shekel

    Japanese Yen

    Jordanian Dinars

    Kenya Shillings

    Korean Won (South Korea)

    Kuwait Dinars

    Latvian Lats

    Lithuanian Litas

    Macau Patacas

    Malayasian Ringgits

    Mexican Pesos

    Moroccan Dirhams

    Nepalese Rupees

    New Zealand Dollars

    Nigerian Niaras

    Norwegian krone

    Oman Rials

    Pakistani Rupees

    Papua New Guinea Kinas

    Peruvian Nuevo Sols

    Philippino Pesos

    Polish Zlotys

    Qatar Rials

    Romanian Leu

    Saudi Arabian Riyals

    Serbian Dinar

    Singapore Dollars

    Sri Lankan Rupees

    Swedish Krona

    Swiss Francs

    Taiwan Dollars

    Tanzanian Shillings

    Thailand Bhat

    Tonga Pangas

    Turkish Lira

    United States Dollars

    Uruguayan Pesos

    Vietnamese Dongs

    CFA Francs

    Senegal CFA Francs

    South African Rands

    You have the right to cancel a remittance transfer and obtain a refund of all funds paid to us, including any fees. To cancel a remittance transfer, you must contact us within 30 minutes of payment for the transfer.

    When you contact us, you must provide us with information to help us identify the transfer you wish to cancel, including the amount and location where the funds were sent. We will refund your money within three business days of your request to cancel a transfer as long as the funds have not already been picked up or deposited into a recipient's account.

    You must contact us within 180 days of the date we promised to you that funds would be made available to the recipient. When you do, please tell us:

    • Your name and address or telephone number;
    • The error or problem with the transfer, and why you believe it is an error or problem;
    • The name of the person receiving the funds (recipient), and if you know, his or her telephone number or address;
    • The dollar amount of the transfer;
    • The confirmation code or number of the transaction.

    We will determine whether an error occurred within 90 days after you contact us and we will correct any error as soon as possible. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of any documents we used in our investigation.


  • Account to Account

    $0 fee
    1-2 business days

    Also known as "External Funds Transfers."

    Transfers between your Star One accounts (checking or savings only) and your accounts at other financial institutions—one-time or recurring.

    Minimum transfer: $20.

    Transaction limits:

    • $5,000 per any 24-hour period
    • $7,500 per any 168-hour period (seven days)

    Maximum transactions allowed:

    • 3 per any 24-hour period
    • 5 per any 168-hour period (seven days)


    Requirements

    1. You must have an email address set in your "Personal Information" (found under "More" in Online Banking, or under the main navigation menu in Mobile Banking).

    How to Set up Your Accounts for Transfers

    1. Go to the "Transfers & Pay" area of Online or Mobile Banking.
    2. Select the "Account to Account" button.
    3. Select "Add Features Now" to set up your security questions if using the service for the first time.
    4. Choose the "Manage Accounts" option.
    5. Add the account number and ABA/Routing number for the external account you will be transferring to or from.
    6. During the next 1-2 business days, watch for a small trial deposit and withdrawal in your external account (usually less than $1.00).
    7. Once you've received a trial deposit and a withdrawal in your external account/s, return to "Account to Account" in Online or Mobile Banking.
    8. Select the "Manage Accounts" area, and then the "Activate" button.
    9. Enter the correct amounts of your trial deposits to confirm that you own both accounts.
    10. External Funds Transfer is now activated and you can start moving money between these two accounts!

    Confirmation e-mails are sent from fts-alert@umonitor.com.

    If funds are not available when sending from Star One to an external account, a $15.00 non-sufficient funds/overdraft fee will be charged.

    How are External Funds Transfers different from Bill Pay or Wire Transfers?

    External Funds Transfers require that you know the account number for an account at another financial institution.

    Therefore, you normally wouldn't use them to pay bills. Instead, use it to move money to and from your accounts at other institutions, such as your brokerage account, another bank account, or a minor's account.


  • Pay from Outside Account

    $0 fee
    Same day—if submitted before 3 p.m. on a business day

    Pay your Star One loan with a one-time transfer from another financial institution—or register to schedule recurring payments.

    For principal-only payments, loan payoffs, or payments to special or restricted accounts, please call us.

    No maximum transfer amount.


    Payments scheduled before 3:00 p.m. are processed the same business day. Other payments are processed the next business day.

    A $15.00 fee will be charged if there are insufficient funds to cover the requested payment.

    Pay now


    Frequently Asked Questions

    • How far in advance could I schedule a loan payment?
      Loan payments can be scheduled in advance up to three future payments.
    • How can I schedule a loan payment to be taken out in the future?
      Future payments can be scheduled by enrolling for the Auto Pay feature. To sign up, click on “Enroll Now” link on the main page and create a user name and password or enroll after making a one-time loan payment. Once automatic payments are scheduled, they will continue until canceled or a suspension date may be entered at set up.
    • Could a payment be cancelled once scheduled?
      Yes, but only if cancellation is requested the same day payment was made prior to 3:00 pm PST.
    • What are the acceptable methods of payment to process an online payment?
      At this time only a transfer from a savings or checking account at another financial institution is allowed.
    • Is there a fee imposed by Star One if there are insufficient funds to cover the payment transfer as requested?
      Yes, the fee is $15.00.
    • Could I pay off my loan using this service?
      No, pay-off quotes are not available through this service. Please call us for assistance with a loan payoff.
    • Will my payment be posted the same day payment is made?
      Yes, as long as payment request meets the required cutoff time of 3:00 pm PST.
    • Will using this service to make a payment affect the scheduled transfers previously set up for a loan?
      No. A payment made using this service will not stop the previously scheduled transfer. Both payments will be applied and the loan due date will be advanced accordingly.
    • For payments made to a Visa, Personal Line of Credit or Home Equity Line of Credit account, would the excess payment amount (if applicable) be applied towards the next payment due date?
      No. Any excess payment amount will be applied towards the principal balance. The next payment amount is not determined until the next billing statement is generated.
    • How can I make an extra payment to be applied towards the principal balance?
      This is allowed as long as the principal-only payment is included with the regular payment. Any excess payment will be applied towards the principal balance. For example, if your mortgage payment is $2,674.62 and you want to pay $500.00 towards principal, enter a payment of $3,174.62 under “Other Amount.” The $500.00 will then be credited towards the principal balance.
    • What if I make a payment to the wrong account in error?
      Please call us as soon as the error is discovered for assistance.
    • If my loan is delinquent, is the late fee required to satisfy the minimum payment amount?
      This depends on the type of loan. For a real estate loan, the late fee is not required to satisfy the minimum payment due for that month; however, it will still be due. For a consumer loan (vehicle, Visa or personal loan), the late fee will be deducted from the minimum payment amount, which means a lesser amount will be applied towards the principal balance.

How to Pay Your Star One Loans

Use our Mobile App to make a one-time payment to your Star One car loan or Visa account.

Simply write a check to yourself from an outside account, then snap a photo of it for instant deposit into your car loan or Visa account.

Use Online Banking to make a one-time payment to your Star One car loan or Visa account.

Simply write a check to yourself from an outside account, then use your scanner or a camera to create an image of the check for instant deposit into your car loan or Visa account.

For maximum convenience, set up a recurring loan payment for any amount from your Star One Savings or Checking account at the time of loan origination.

Make a one-time transfer in Online Banking or set up recurring payments. Funds are transferred in real time during business hours for one-time payments. There are no limits on the transaction amounts.

Make a one-time transfer from another financial institution to pay your Star One loan—or register to schedule recurring payments.

  • Payments scheduled after 3:00 p.m. Pacific Time will be applied the next business day.
  • For principal-only payments, loan payoffs, or payments to special or restricted accounts, please call us.

 

Pay now

 


Frequently Asked Questions

  • Is there a fee imposed by Star One to process an online payment?
    No, there is no fee charged by Star One to use this service.
  • How far in advance could I schedule a loan payment?
    Loan payments can be scheduled in advance up to three future payments.
  • How can I schedule a loan payment to be taken out in the future?
    Future payments can be scheduled by enrolling for the Auto Pay feature. To sign up, click on “Enroll Now” link on the main page and create a user name and password or enroll after making a one-time loan payment. Once automatic payments are scheduled, they will continue until canceled or a suspension date may be entered at set up.
  • Could a payment be cancelled once scheduled?
    Yes, but only if cancellation is requested the same day payment was made prior to 3:00 pm PST.
  • What are the acceptable methods of payment to process an online payment?
    At this time only a transfer from a savings or checking account at another financial institution is allowed.
  • Is there a fee imposed by Star One if there are insufficient funds to cover the payment transfer as requested?
    Yes, the fee is $15.00.
  • Could I payoff my loan using this channel?
    No, payoff quotes are not available through this service. Please call us for assistance with a loan payoff.
  • Will my payment be posted the same day payment is made?
    Yes, as long as payment request meets the required cutoff time of 3:00 pm PST.
  • Will using this service to make a payment affect the scheduled transfers previously set up for a loan?
    No. A payment made using this service will not stop the previously scheduled transfer. Both payments will be applied and the loan due date will be advanced accordingly.
  • For payments made to a Visa, Personal Line of Credit or Home Equity Line of Credit account, would the excess payment amount (if applicable) be applied towards the next payment due date?
    No. Any excess payment amount will be applied towards the principal balance. The next payment amount is not determined until the next billing statement is generated.
  • How can I make an extra payment to be applied towards the principal balance?
    This is allowed as long as the principal-only payment is included with the regular payment. Any excess payment will be applied towards the principal balance. For example, if your mortgage payment is $2,674.62 and you want to pay $500.00 towards principal, enter a payment of $3,174.62 under “Other Amount.” The $500.00 will then be credited towards the principal balance.
  • What if I make a payment to the wrong account in error?
    Please call us as soon as the error is discovered for assistance.
  • If my loan is delinquent, is the late fee required to satisfy the minimum payment amount?
    This depends on the type of loan. For a real estate loan, the late fee is not required to satisfy the minimum payment due for that month; however, it will still be due. For a consumer loan (vehicle, Visa or personal loan), the late fee will be deducted from the minimum payment amount, which means a lesser amount will be applied towards the principal balance.