Transfers | What to expect

Like most financial institutions, we use the Automated Clearing House (ACH) network to process external transfers from one financial institution to another. Here we’re showing you how it works to give you a better idea of where your money is going and when it’s going to arrive. Keep in mind, clearing houses aren’t open on weekends or holidays, so that will affect transfer times.


External Transfer | 4 business days

Here’s an example of a schedule for a external transfer timeline, with a Holiday occurring on Friday.




Transfer Requested

Day 1








Day 2


Day 3


Day 4

Funds delivered



Funds Availability & Cut-Off Times


Transfer RequestDelivery SpeedFunds Available

Transfer between USC Credit Union accounts



External Transfer between USCCU and non-USCCU account
(requested before 5:00pm PST, Monday-Friday)

4 business days

4th business day


How to transfer funds

You can transfer funds electronically between your USC Credit Union accounts and other financial institutions using our Home Banking and Mobile Banking channels. Learn how to transfer funds.

Questions? We’re here to help!

If you have questions regarding transfers, please contact us at (877) 670-5860 or email us at and we’ll be happy to assist you.