Banking Services
SDFCU offers its members a host of banking services, including account alerts, direct deposit, convenient ways to pay your loans and transfer money, foreign currency exchange, wire transfers both locally and internationally, and more.
Account Alerts
Set up text or email alerts about your account in online banking. Receive alerts for things like: low balance, large withdrawals, and payments due. You can also set up various transaction alerts for your credit cards in Online Banking. Log in.
Direct Deposit
To receive direct deposits, provide your employer with our ABA routing number 256075342 and your account number. Here’s a tip: A check can serve as a helpful tool in setting up direct deposit. Simply refer to the number at the bottom of the check. You can also refer to your account statements.
If you can’t remember your account number – call us at 703-706-5000 or 800-296-8882 or visit a branch location.
Order and Redeem Foreign Currency
Be prepared for your upcoming travel and avoid inflated airport or hotel currency exchange fees through our foreign currency exchange service. We are pleased to partner with Currency Exchange International (CXI) to offer you a safe and easy way to purchase foreign currencies for 100+ countries.
Orders should be placed at least 3 business days prior to your departure to allow delivery time. For specific rate and delivery information and to order your currency log in to Online Banking and select Account Services, visit a branch location, or contact our Member Service Center.
Making Payments
There are many convenient ways you can pay your loans, transfer money between accounts, or pay outside institutions and service providers. Read about free Bill Payer, automatic transfers, phone payments and more ways to pay.
Automatic Transfers and Payments in Online Banking or the Mobile App
Set up one-time or automatic transfers between your savings and checking accounts. You can also set up one-time or automatic payments to your loan or credit cards. In addition, you can make payments using a non-SDFCU bank account or by using your debit or credit card.
Log in to Online Banking or use the SDFCU mobile app. This is the best way to pay!
*First time logging in your username will be your member number and your password will be the last four (4) digits of the primary account owner's Social Security number entered twice. Once logged in, you will be prompted to select a different unique password.
Bill Pay
Use our free Bill Payer service in Online Banking or the mobile app to manage your bills 24/7.
Benefits of Bill Payer include:
- Manage billing all from one place
- Set up automatic payments for monthly bills
- Set up reminders and get confirmation
- View your bill electronically
- Easy-to-view payment history
Log in to Online Banking or the mobile app to get started.
One-Time Online Loan Payment
If you'd like to pay your loan quickly online without logging into Online Banking, visit our guest checkout payment service.
Make a Quick Online Loan Payment
Pay-By-Phone
You can pay bills or transfer money by calling 800-296-8882 or 703-706-5000. We recommend using Online Banking or the mobile app as the best way to make payments.
Mail Payments
Your monthly loan statement contains your loan Account/ACH number and an attached payment coupon. Use your statement for reference if you choose to pay by mail. With all the recent mail delays we encourage members to pay using our digital methods. If you need help getting started with digital banking contact us! View payment mailing addresses.
Wire Transfers
- Incoming
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The following information is required for incoming wires:
State Department Federal Credit Union
1630 King Street
Alexandria, VA 22314- SDFCU routing number: 256075342
- International incoming wires — use SWIFT Code SDFCUS33
- Member name
- Member account number
- Complete mailing address
- Originator's name
Timing:
All incoming wires received by 3:00PM ET will be credited on the same day. Wires received after that time will be processed on the next business day.
- Domestic Outgoing
-
Log in to Online Banking and visit Account Services to access the wire transfer request form.
The following information is required for outgoing wires:
- Purpose of wire
- Beneficiary bank name
- Beneficiary bank ABA/routing number
- Beneficiary/recipient name
- Beneficiary account number
- Beneficiary physical mailing address
- Special instructions
Wire fee: The fee for domestic wires is $25.00 ($10.00 for Member Emeritus members)
Timing:
Domestic outgoing wire transfers may take up to 2-3 business days to be initiated by SDFCU and up to 2 business days to be posted by the receiving bank. For more information on the status of an outgoing wire, call 703-706-5000, 800-296-8882 or email wires@sdfcu.org.
*For your security, SDFCU has procedures in place for wire transfer requests. Multiple factors may increase the time required to process a request, such as if insufficient information is received, if additional verification measures are warranted, or the number of intermediary banks.
- International Outgoing
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The following information is required for international wire transfers:
- Country receiving funds
- If applicable, international foreign currency amount
- Purpose of wire
- Beneficiary bank name (overseas bank name)
- Beneficiary bank SWIFT or BIC code (for the overseas bank)
- Beneficiary bank address (indicate branch name if applicable)
- Beneficiary/recipient name
- Beneficiary account number/IBAN (International Bank Account Number)
- Beneficiary physical mailing address
- Special instructions
Wire fee: The fee for international wires is $35.00.
For international money transfers you can also learn about our partnership with Wise.
Timing:
International wire transfers may take up to 2-3 business days to be initiated by SDFCU and generally may take up to 10 business days to be posted by the overseas bank. We are aware of significant delays with receipt of international wires overseas due to global conditions. To request cancellation of an international wire in process, please call 703-706-5000, 800-296-8882 or email wires@sdfcu.org.
*For your security, SDFCU has procedures in place for wire transfer requests. Multiple factors may increase the time required to process a request, such as if insufficient information is received, if additional verification measures are warranted, or the number of intermediary banks.
Wise - International Money Transfers
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