How to send and receive a wire transfer

Whether you're buying a home, consolidating accounts or navigating another important financial transaction, a wire transfer is one of the quickest and most reliable ways to send and receive large amounts of money between financial institutions. At Solarity, we make the process straightforward so you can spend less time on banking and more time focusing on the things that matter most.

Receiving a wire transfer

Need funds wired to your Solarity account? Here is all the information the sender will need to ensure the money arrives without a hitch:

Beneficiary – Your full name (exactly as it appears on your Solarity account)
Account number – Your Solarity account number (exactly as it appears on your direct deposit info online)
Your address – Your street address, city, state and ZIP
Receiving financial institution – Solarity Credit Union, 110 N 5th Ave, Yakima, WA 98902
Routing number – 325183738

We’ll post the funds to your account as soon as they clear every stop along the banking network (usually no later than the next business day in most cases). Have questions? Call us at 800.347.9222 or stop by a branch and we’ll be happy to help.

Sending a wire transfer

To begin a wire transfer, simply visit your nearest Solarity branch location or give us a call at 800.347.9222. We’ll walk you through a short wire transfer request form, confirm the recipient’s details and make sure everything is set for a smooth transfer.

Please be ready to share the following information during your visit or call:

Name of the receiving financial institution
The receiving financial institution’s physical address and routing number
Name of the beneficiary (person or company receiving the money)
The beneficiary’s account number
The beneficiary’s physical address, city, state and zip code (No PO boxes)
The amount of money you want to wire

Cut‑off times – Requests received Monday through Friday (excluding federal holidays) before 2:30 p.m. PST are typically processed and sent the same business day. Requests that arrive after the cut‑off (or on weekends and holidays) will be sent the next business day.

Funding requirements – For your protection, we can only wire available funds that are already cleared in your account. If you recently deposited a large check, those funds may need to clear before they’re eligible to send.

International wires – While Solarity does not currently offer outgoing international wire transfers, we're happy to help you explore alternative options. Our team can provide guidance and recommend secure, reliable methods for completing your international transaction.

How to identify and prevent wire fraud

We’ve already mentioned that wire transfers are fast and convenient, but it’s because of their speed and finality that they can also be a target for fraud. Once a wire is sent, it’s very difficult to reverse, so it's essential to stay vigilant. Click the expandable sections below to reveal how to spot potential scams and protect your money.

Common warning signs of wire fraud

Urgent or pressured requests – Scammers often create a sense of urgency to rush your decision.
Unexpected payment instructions – Be wary if a business you know suddenly provides new account details or asks for payment to a different bank.
Requests from unfamiliar sources – If someone you don’t know asks you to wire money, it’s likely a scam.
Too-good-to-be-true offers – Promises of large returns, lottery winnings, purchases well below market value or "easy money" that requires upfront payment are classic fraud tactics.

Tips to help prevent wire fraud

Verify before you send – Always call the recipient using a trusted phone number to confirm wire instructions. Don’t rely solely on email or text.
Double-check account details – Even a small typo in an account number or routing number can result in funds being sent to the wrong place.
Use secure networks – Avoid initiating transfers over public Wi-Fi or unsecured devices.
Know who you're dealing with – Research businesses or individuals requesting payment. Scammers often pose as legitimate companies or even loved ones.

If you suspect you've been targeted by wire fraud, please contact us immediately.

Key takeaways

Wire transfers are a fast and secure way to send or receive money, especially for time-sensitive or large transactions. Just be sure to double-check all of the information you provide, keep cut-off times in mind and always be on the lookout for potential scams. Still have questions? Visit a branch or call us today at 800.347.9222.

View our Consumer Fee Schedule and Business Fee Schedule for information on incoming/outgoing wire fees.