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.

Sunday	Monday	Tuesday	Wednesday	Thursday	Friday	Saturday
			Transfer Requested	Day 1	Holiday	Weekend
Weekend	Day 2	Day 3	Day 4 Funds delivered (AM)

Funds Availability & Cut-Off Times

Transfer Request	Delivery Speed	Funds Available
Transfer between USC Credit Union accounts	Instant	Immediately
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 Online 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 usccu@usccreditunion.org and we’ll be happy to assist you.