Electronic Wire Funds Transfer and ACH Services in Utah

Automated Clearing House (ACH) / Electronic Funds Transfer (EFT)

At American United, you can electronically transfer funds to/from your account to another financial institution. Come into any of our branches in Utah and California or for our online banking members to initiate your transfers online.


The basic routing number, devised by the American Bankers Association (ABA) in 1910, has served to identify the specific financial institution responsible for the payment of a negotiable instrument. Originally designed to identify only check processing endpoints, the routing number system has evolved to designate participants in automated clearinghouses, electronic funds transfer, and online banking.

Next Day Funds Availability

Automated Clearing House, or ACH, is the federal mechanism used for Electronic Funds Transfer or EFT. Originating an EFT from American United is easy, safe, and faster than a check. Funds will be available in your receiving account the following business day if initiated before 2:00 pm MST. Loans may also be set up for automated payment from another institution using this product.


If you would like to initiate an EFT please visit any of our branch locations or call (801) 359-9600.

Unauthorized ACH Withdrawals

You are 100% protected from unauthorized ACH withdrawals from your account. For a refund, submit an Unauthorized ACH Refund Form.


Click the button below to download the Unauthorized ACH Refund Form. Refund forms must be submitted to American United within 60 days of a disputed transaction.

Download ACH Dispute Form

Incoming Wire Instructions

There are three simple steps to receive a wire. Simply give the originator the following information.


Alloya Corporate Federal Credit Union
11148 Benton Street
Westminister, CO 80020
Routing number: 307-087-399


American United FCU
2687 West 7800 South
West Jordan, UT 84088


Member Name
Member Address
Member Account #
Your account number is the same as the member account number. For a specific loan or account, please add a (colon): and then the loan or account number (i.e. XXXXXX:9).


There are no fees associated with incoming wire transfers.

Federal Wires

Same Day Funds Availability
Wires are same-day funds; from business day received by the credit union. U.S. wires are subject to a $10.00 fee for processing and insurance. All U.S. wires are insured. There is a 2:00 pm MST cutoff.


If you would like to initiate a bank wire please visit any of our branch locations or call (801) 359-9600.

International Wire Request

International Wires are NOT insured or time guaranteed. Once a wire leaves the U.S., it is unregulated and is considered an at-your-own-risk transfer. International Wires are subject to a $30.00 fee. American United can send International Wires, however, we do not receive International Wires.


If you would like to initiate an International Wire please visit any of our branch locations or call (801) 359-9600.