If you’re a new 元素 member, you’ll need to have funds in your account before you can take advantage of our services and begin earning dividends, if the account offers that benefit. 然而, even if you maintain accounts elsewhere for various reasons, you will still want to know how to transfer money to your 元素 accounts, 根据需要.

It’s a good idea to have your personal finances all in one place. That makes it easier to manage across both your savings and checking accounts, and it simplifies the management of more complex financial commitments like your mortgage, 投资, and any other outstanding loans you have.

幸运的是, the process of moving your money is easy—and there are numerous options available to you, 如:

1. Set Up an Online/Electronic Transfer: Thankfully, the digital world has made it easier than ever to transfer money. All you need to do is set up a connection between your two accounts before you make a transfer.¹

   If you’re already enrolled in 元素 利记, then the most seamless option is to log in there and select the option that allows you to make an external transfer. You’ll need your account number and routing number for the other institution.

   If you’re not yet enrolled in 元素 利记, log in to your other bank’s website or mobile app and choose to make an external transfer. 启动转移, you’ll likely need to enter your 利记app官网 account and routing number to link your accounts. For easy reference, our routing number is: 274073834.

   Once verified and confirmed, you can easily transfer money between the two accounts. (Double check with your bank if they have daily transfer limits.²)

2. Initiate an External Transfer in Person: If you prefer face-to-face transactions, you can initiate a transfer of funds by sitting down with a representative at the other financial institution and giving them your 元素 account and routing numbers. They should be able to handle the rest. (Remember: It’ll take three to six business days for the funds to appear in your 元素 account using this method.)
3. 远程支票存款: Not everyone deals with paper checks these days, but those who prefer a classic approach to payments can always write themselves a check from their other account and make a remote deposit using the 元素 mobile banking app. (Keep in mind: There’s a daily deposit limit of $15,000 using Remote Check Deposit.)
4. 电汇: This may be your best option if you’re moving a large amount of money from another institution into 元素 and especially if you are transferring money from an overseas or foreign account. The good news is a wire transfer can be completed in as little as a few hours, but it often includes a fee — anywhere from $5 to $25 or more. Learn more about 电汇.
5. Shared Branching and Deposit-Taking ATMs: 你可以 also deposit funds by bringing cash or checks to any of our branches or deposit-taking ATMs nationwide. 你可以 find a convenient location near you by searching our website or using our mobile banking app to find the closest branch or ATM.

Have questions or need assistance with transferring money to 元素? Our credit union experts are always here for you. Contact 利记app官网 for support of all your financial needs, including how to make the funds transfer process easy for you.

^{1) Nerdwallet, http://www.nerdwallet.com/article/banking/how-to-transfer-money-from-one-bank-to-another}

^{2) There are no restrictions on the amount you can transfer to 元素 during your initial 30 days of membership. After 30 days, the transfer limits to 元素 accounts are: $5,000 per transaction, $10,000 per day, and $50,000 per month. If you are transferring funds to another financial institution, the transfer limits are: $1,000 per transaction / $2,000 per day / $10,000 per month.}

^{3)《利记》, http://www.forbes.com/advisor/money-transfer/how-to-transfer-money-from-one-bank-account-to-another/}