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OAS FCU

What's the difference?

Zelle vs Domestic ACH vs Domestic Wire Transfer

P2P
Domestic ACH
Domestic Wire Transfer
Time to Transfer
ImmediatelyOne to two business daysSame day
if requested before 1:00PM
Why should I choose it?
For informal payments to relatives or friendsWhen a proof of payment is not requiredWhen a proof of payment is required
How much it costs
Free$5 to $15$15
Start NowStart NowStart Now

 

What is Required?

Below is the information needed for a Domestic ACH, a Domestic Wire Transfer, and Zelle.

 

Zelle

 

Sender:
  1. An active online banking account with OAS FCU
  2. An email or U.S. mobile number from the beneficiary

 

Beneficiary:
  1. A checking account in the U.S.

 

Domestic ACH

 

Beneficiary Bank:
  1. Bank name
  2. Bank 9-digit ABA routing number (located on the bottom of a check)

 

Beneficiary:
  1. Beneficiary name
  2. Beneficiary account number
  3. Beneficiary account type (savings or checking)

 

Domestic Wire Transfer

 

Beneficiary Bank:
  1. Bank name
  2. Bank complete address
  3. Bank 9-digit ABA routing number (explicitly for wires)

 

Beneficiary:
  1. Beneficiary name
  2. Beneficiary address
  3. Beneficiary account number