PSECU's routing number is 231381116.

How to set up a transfer

Three ways to get to the screen:
  • Click the Transfers button at the top of the accounts dashboard.
  • Click on the three dots beside each specific share.
  • Use the menu at the top left of the screen.
What is the process?

To transfer from one account to another, start with the Transfer From field and select your account from the drop-down menu. All your previous transfer recipients are provided in the “Transfer To” dropdown. You may also add a new one in that same dropdown.

Type in the dollar amount that you wish to transfer. Select the frequency for this transfer. Then select your transfer date.

After you click Next, you will be taken to the Verify Transfer Details Screen, where you can confirm that your transfer is correct. If you need to make changes to your transfer, simply click modify. If everything is correct with your transfer, click Confirm.

Congratulations, you have successfully transferred money. Click New Transfers to complete another transfer or Accounts to return to the accounts dashboard.

 Watch a tutorial video on transfers

General Questions

Can I cancel a member-to-member transfer?

If the member you transferred the money to has not claimed the funds, you can cancel the transfer.

Does PSECU offer wire transfers?

PSECU offers same day and next day domestic wire transfers from your PSECU account, Monday through Friday. There is a $10 charge for each transfer made. A domestic wire transfer is defined as using only financial institutions within the U.S. banking system to send to Recipient or Beneficiary accounts held within the U.S. and their territories.

Can I transfer money between business and personal accounts?

Funds transfers are available on sole proprietorship accounts only. There is no legal separation from the individual and the business in this entity type. Other entity types have different levels of separation and liability between the person and the business, therefore we do not allow such transfers to occur.

External Transfers

Our external account transfer service allows you to bring money into your PSECU account from accounts you have elsewhere. The service also allows you to transfer money from your PSECU account to accounts you own at other financial institutions. You may have more than one external account linked to your PSECU account. In order to use the external account transfer service, you must be the owner on the external account.


What you need

You will need a few pieces of information before you can set up an external account transfer:

  1. Routing number of other financial institutions
  2. Your account number at the other financial institution
  3. Type of account (checking or savings).

Set up

There are a few steps you will need to complete before you can schedule an external account transfer.

  1. Go to the Transfer area, select External Accounts, and then select Add External Account. Enter the other financial institution’s routing number, your account number, and the type of account.
  2. Once your external account is added, PSECU will send a small amount of money to the other financial institution to begin the verification process. It can take up to three business days for you to see the small deposit in the account you have at your other financial institution.
  3. Once the small deposit is in your account at your other financial institution, you will need to verify the deposit and enter that amount by selecting the Verify Account button in the external account details section.
  4. Once you have successfully verified the small deposit, you may go to the Transfers area and schedule an external account transfer.

Instant Verification

We’ve partnered with Plaid to bring you a better banking experience. We chose Plaid because they are a trusted partner for account validation. Now you can link your external accounts (who also use Plaid) and transfer funds to pay your PSECU loans quickly, send funds to friends, add to your savings, and more!

Link your accounts in 3 easy steps.

  1. Log in. Once you have logged into digital banking and selected Transfers, select External Accounts, Add External Account, and then use the Instant Verification option.
  2. Link your accounts. Find your external financial institution and complete the necessary verification steps to confirm your information.
  3. Transfer. Begin making transfers within minutes once Plaid verifies your account.

Manual Verification

If you are unable to complete the instant verification process using Plaid, you must complete the small deposit verification before you add money to your PSECU share, pay a PSECU loan, or transfer money from your PSECU share to your account at another financial institution.

Where do I verify my small deposit to my external account?
Select Transfers, then select External Accounts. Select the external account that you need to verify, and then select Verify Account. Enter the amount that was deposited to your account at your other financial institution and follow the screen prompts. Once you add your external account and complete verify the account, you will not need to do it again, unless you remove the external account and want to add it back again.

If you enter the wrong amount when verifying your external account, the screen displays a message, “The deposit verification process is currently locked on your account." You will need to call us to resolve the issue.

You can link your external accounts through PSECU’s mobile and online banking. Simply log into your account and select Transfers from the menu and select External Accounts, then Add External Account. From the Add External Account window, you can select Instant Verification (Using Plaid) and search for your external financial institution. You'll be prompted by Plaid to verify your external account information and your identity by receiving a security code or other form of multi-factor authentication. You can begin initiating transfers immediately.
If your external financial institution doesn’t appear in the list, the financial institution doesn’t have a relationship with Plaid. Instead, you can link your accounts by selecting the Manual Verification (Using PSECU) option to begin the small deposit verification process. Once you initiate the verification process, which can take 2-3 business days, you’ll receive one small deposits in your external account. Enter the amount that was deposited to your account at your other financial institution and follow the screen prompts. Once you add your external account and complete verification of the account, you will not need to do it again, unless you remove the external account and want to add it back.
If your credentials are not accepted, please verify that the information you are using is correct. If you are still unable to connect your account, you can still add an external account by completing the small deposit verification process.
Plaid is certified in internationally recognized standards. They utilize encryption safeguards, multi-factor authentication, independent security testing, and much more to ensure your information is safe. Additionally, Plaid doesn't sell or rent your data to outside companies. For more information on Plaid's safeguards, please visit
If your status shows "restricted" or "pending," you'll need to contact PSECU at 800.237.7328.
At this time, PSECU members are only able to use Plaid to verify their external accounts that also use the Plaid interface to establish transfers. We are looking into further enhancements with Plaid for the future.
If your account is already linked, you won't need to relink that account. Plaid will only be initiated when you have new external accounts to link to your PSECU account.
Some financial brands use a partner bank to provide their banking services. For example, Chime® uses Bancorp, Inc. and Stride bank to offer their banking services.
Any security questions asked by Plaid come directly from the financial institution you're attempting to connect to. Please contact your external financial institution if you're having difficulty with your security questions.
You may be able to connect your account to Plaid later. However, if Plaid notes "Connectivity not supported" for the selected financial institution, you will need to exit Plaid and use manual verification instead.
Several financial institutions have users authenticate directly with them instead of through Plaid. Typically, these institutions will also have you select which accounts you want to share with Plaid before you can complete your connection. You can expect this when connecting accounts from Bank of America, Capital One, Chase, and Wells Fargo.


Scheduling an automatic transfer

You can use your external account to pay all loans you have at PSECU, except a mortgage. You can schedule a recurring transfer from your external account to your PSECU loans except for Visa®s or past-due loans. In regards to past-due loans, with the exception of Visas, once they are brought current, you may setup a recurring payment from an external account transfer.

You cannot schedule a recurring transfer from your external account to a Visa loan. To set up an automatic transfer for your loan, please call us.

When will the loan payment from my external account post on my loan?

Your payment from an external account will post to your PSECU loan on the day it was scheduled between 8 p.m. and midnight. PSECU loan payments scheduled prior to 8 p.m. for the current day from an external account will be credited to your PSECU loan that same day, even on weekends and holidays. After 8 p.m., you may schedule your payment to be posted on the following day at the earliest, even on weekends and holidays.

Why can’t I replace my current payment method on a loan with an external account transfer?

Replacing a current payment method on a loan requires the setup of a recurring payment. The setup of recurring payments from external accounts are not permitted on Visa®s or past-due loans. In regards to past-due loans, with the exception of Visas, once they are brought current, you may replace its current payment method with a recurring external account transfer.

Balance Transfers

Can I transfer more than one balance to my PSECU card?

You can have up to 10 outstanding balance transfers on your card at one time. The total amount of your unpaid transfer requests can’t exceed the available credit on your card.

Keep in mind, there is no grace period on balance transfers. Finance charges begin to accrue on the date the balance from another card is posted to your account.

How will a balance transfer appear on my credit card statement?

The transaction will appear as: “Visa® Balance Transfer was mailed to [Payee Name] in the amount of [Amount].”

Can I use the online Visa® Balance Transfer service to pay off PSECU loans?

No. Visa® Balance Transfers cannot be used to pay off any other PSECU loan.

flying money

International Transfers

How do I send funds outside the United States?

To transact internationally, you may elect to have the authorized receiver set up an ACH debit to remove money from your PSECU account. For security purposes, do not share your personal information with anyone who is not authorized to access your account.

Additionally, you may request a money transfer service such as Western Union Online FX, MoneyGram or other such services to perform the International Wire Transfer*. To fund the transfer, the service provider may either electronically debit your PSECU account or you may elect for PSECU to wire funds to the service provider. All wires to service providers must be to domestic institutions only.

* Funds must be on deposit in your PSECU account for 4 full business days before they may be wired. Funds deposited by Direct Deposit or incoming wire transfer are not subject to the 4-day restriction.

What will the sender need, to receive an ACH debit from your PSECU account?
  • PSECU's ABA/Routing Transit number: 231381116
  • Your PSECU Checking Account Number: As it appears on the bottom of your PSECU checks. This is a 10-digit number and leading zeroes must be included.
  • Your PSECU Member Number for Savings debits: This is a 10-digit number and must include any leading zeroes.
How do I send money to my PSECU account from an International Bank?

It may be helpful for your sender to speak to the International Banking staff at their financial institution when making their request to ensure that the request is fully understood. This could be a specialist, a head teller or even a bank manager. The following information should be provided to the sending bank for accurate routing to your PSECU account.

  • PSECU's SWIFT number: PSEMUS31
  • Clearing Code*: FW231381116
  • Beneficiary Bank Name: PA State Emp CU, Harrisburg PA
  • Beneficiary Account Number: Your 10-digit PSECU checking account number - found on your PSECU Checks - or your PSECU member account number
  • Beneficiary Name & Address: Your name and address as it appears on your PSECU account

This is optional information that may be helpful to some sending institutions. Note: Wires must be in U.S. dollars.

PSECU's experienced Wire Transfer Analysts are ready to answer your questions and assist you with your Wire Transfer needs. Email us through online banking or call us at 800.237.7328, extension 3868.
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Our Analysts are available Monday through Friday, 8 a.m. to 4 p.m. (ET).