Quick answer
NC SECU publishes separate wire instructions and fees. A wire problem should be classified by domestic/international direction, cutoff/submission timing and beneficiary bank information before escalation.
Published rules for this service
NC SECU’s wire page lists $15 for an outgoing domestic wire, $35 for international, and no incoming-wire fee. Its stated same-business-day transmission cutoffs are 5:25 p.m. for domestic requests and 3:00 p.m. for international requests when keyed or verified before those times. Confirm the applicable time zone with SECU because the page does not label it. Additional information or review may delay processing. A recurring wire number is set up through an initial branch or support request; after setup it can be used in Member Access.
Decision path
Instructions incomplete/incorrect → correct beneficiary/bank data before another wire. Submitted but not yet sent → check SECU’s current processing/cutoff information. Sent but not received → involve the beneficiary bank as well as SECU. Returned/rejected → identify the reason before resending.
What to do next
Save wire confirmation/reference and exact beneficiary instructions. Independently verify routing/SWIFT/account details. For international wires, confirm any country-specific identifier and account currency.
Important limits
Wire schedules differ from ACH. Same-day delivery depends on the exact service and transaction conditions. Check the current SECU fee schedule.
Sources and freshness
Last verified: October 7, 2026.
Rules and service limits can change. Use the linked agreement for your account and the notice shown for this transaction; if they differ, ask the institution to explain which provision applies.
Wire checklist
Record domestic/international direction, submission time/channel, beneficiary name, bank routing/SWIFT and account details, confirmation/reference and current status. Verify current SECU wire instructions and fee schedule before quoting a cost or cutoff.
FAQ
Why did my recurring wire number disappear? SECU says a number unused for 12 consecutive months is deleted. Does same-day transmission promise same-day receipt? No; receiving-bank handling and additional review can affect delivery.
Related but different
A wire is a separate rail from ACH and direct deposit. Do not troubleshoot a wire from the routing-number page alone when SECU publishes a dedicated wire service.
Related guides
State Employees' Credit Union (NC): /institutions/state-employees-credit-union-nc/
Wire transfer delayed, rejected, returned, or sent with wrong instructions: /problems/wire-problem/