Wire Transfers

If you need to transfer money, ValleyStar offers a variety of fast, easy and secure options. We can help whether you’re sending or receiving funds—from someone within the U.S. territories or abroad. Check our local credit union branch or utilize the wire transfer option on Mobile and Online Banking. 


Domestic Wire Transfer

  • Easily transfer funds within the U.S. states and territories
  • Anticipated receipt: one – two business days

Please Note: Wires must be received by 4:00 p.m. Eastern time for same day processing

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International Wire Transfer

To wire funds internationally, you can send the money in foreign currency or U.S. dollars.

  • Anticipated Receipt: five – seven business days
  • Wires must be received by 11 a.m. Eastern time

For international wire transfers, please visit the Western Union website to facilitate the transfer to your account. As ValleyStar Credit Union is not part of the SWIFT network, ValleyStar only receives U.S. currency.

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Receiving a Wire Transfer

In order to receive a domestic or international wire transfer, provide the following information to the sending financial institution:

ValleyStar’s Address and Routing Number:
ValleyStar Credit Union
PO Box 5511
Martinsville, VA 24115

Routing Number (ABA Number)
251481180

Final Credit:

  • Your name as it appears on your ValleyStar account
  • Your ValleyStar account number and Share ID number (suffix)

Wire Transfer FAQ

Q: How are exchange rates calculated for sending funds in foreign currency?

A:  ValleyStar partners with our dedicated correspondent bank to provide exchange rates for converting funds. This rate factors the cost of exchanging the funds in addition to the actual exchange rate. Before sending funds to be converted, you’ll be quoted an exchange rate, as well as the total amount to be received, to which you have the option to agree or decline the quoted rate. Once agreed to, the rate is “locked” in and will be sent according to the agreed upon rate.

Q:  What are SWIFT, BIC, IBAN and CLABE numbers, and how do I find them?

A:  Society for Worldwide Interbank Financial Telecommunications (SWIFT) and Bank Identifier Codes (BIC) are used to locate and identify financial institutions primarily overseas.

An International Bank Account Number (IBAN) is a series of alphanumeric characters that uniquely identifies an account held predominantly by banks in eurozone countries. Clave Bancaria Esandarizada (CLABE) is a standard 18-digit number for bank accounts in Mexico.

You can obtain any of these numbers by asking the intended payee for their wiring instructions.

Q:  How do I cancel a wire?

A:  Contact us at 800.475.6328 to cancel your transaction. If the wire transaction is still at ValleyStar, we can cancel it with no fees assessed.

If your wire has already been processed, we can submit a reversal request to the payee’s financial institution and attempt to retrieve the funds.

Please note:

Wire transfers are immediate, final and irrevocable. Reversal attempts may go unanswered.

Fees may be assessed by other financial institutions if the reversal request is successful.

There is no set time frame for receiving a response from the payee’s financial institution. Contact ValleyStar Credit Union five business days after the initial cancellation to request an update of your inquiry.

If you need assistance during the wire transfer process, please contact us at 800.475.6328. We are happy to help!