Account Transfers

Transfer money between accounts or institutions

Move your money where you want, when you want.

It's easy to move your money between your XCEL accounts and to and from accounts you hold at other institutions. Use XCEL's Online and Mobile Banking to control your money, no matter where you are.

  • One-time transfers
  • Recurring transfers
  • Schedule transfers in advance

Account-to-Account (A2A) Transfers

Transfer funds between your XCEL accounts and pay no fees.

External Transfers

Transfer funds between an account at another credit union or bank.

  • For inbound transfers (from an outside account to XCEL), a service fee may apply.
  • For outbound transfers (from XCEL to an outside account), a service fee may apply.

Get Started

Log in to Online Banking and follow the instructions to register. You'll receive an email confirmation, then you simply follow the steps in that email to set everything up. A small test transaction, such as a 15-cent deposit, will post to your account within 24-48 hours to verify that everything's working correctly. Once the test is done, you can set up all your transfers.


XCEL FCU is a credit union serving members in New Jersey, New York and across the country.