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SWACU works hard to make sure that all your on-the-go financial needs are taken care of. Take a look at some of the other ways that we're making sure that you have No Problem with your accounts at SWACU:

Courtesy Pay

Courtesy Pay is a service that allows the Credit Union to pay an item presented against your checking account even if it causes the account to become overdrawn. Courtesy Pay may provide certain account holders in good standing with the ability to overdraw their checking account up to $530. The Courtesy Pay dollar amount limit includes any overdraft fees assessed.

If your checking account has been maintained in good standing, we may, at our sole discretion, pay overdrafts up to the limit mentioned above, including Courtesy Pay overdraft fee(s). Whether we pay or return an item, your account may be assessed a fee, either as a Courtesy Pay fee or a Non-Sufficient Funds fee, but you will not be charged both fees by us. View disclosures and download forms here.

Wire Transfer

This is the fastest way to send money when it's needed in a hurry. To send a wire transfer you may visit us in a branch or call us at 1 (800) 262-5325. To send a wire transfer you will need:

    • The recipient's (individual or business) name, account number, phone number, and address (no PO Box allowed).
    • The recipient's bank name, ABA/routing number, and bank city and state.

Note that cut off time to receive wire request is 2:00 pm CST, Monday – Friday. Requests received after this time will be processed the next business day.

ACH Transfers

Otherwise known as automatic payments, you can establish a one-time or recurring electronic payment to be automatically deducted from your SWACU account. Download a transfer form for a single debit or recurring payments.

Stop Payment

In case you ever need to, we can process a personal check stop payment order efficiently and hassle-free.  If you need assistance with a SWACU issued cashier’s check or a Bill Pay check, please call us at 1 (800) 262-5325.

Credit Life & Disability Insurance

We offer insurance for new and existing loans for just pennies a day, providing your family protection in case of death or disability and loan payments can't be made.

Direct Deposit

Please follow the guidelines set by your employer.

GAP Coverage

If your vehicle is stolen or totaled, this optional protection will cover any gap between what your insurance will cover and what you still owe.

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