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What's the difference?

P2P vs Domestic ACH vs Domestic Wire Transfer

P2P
Domestic ACH
Domestic Wire Transfer
Time to Transfer
ImmediatelyOne to two business daysSame day
if requested before 1:00PM
Why should I choose it?
For informal payments to relatives or friendsWhen a proof of payment is not requiredWhen a proof of payment is required
How much it costs
Free$5 to $15$15
Start NowStart NowStart Now

 

What is Required?

Below is the information needed for both a Domestic ACH and a Domestic Wire Transfer.

 

P2P

 

Sender:
  1. An OAS FCU debit card
  2. An email or U.S. mobile number from the beneficiary

 

Beneficiary:
  1. A checking account in the U.S.

 

Domestic ACH

 

Beneficiary Bank:
  1. Bank name
  2. Bank 9-digit ABA routing number (located on the bottom of a check)

 

Beneficiary:
  1. Beneficiary name
  2. Beneficiary account number
  3. Beneficiary account type (savings or checking)

 

Domestic Wire Transfer

 

Beneficiary Bank:
  1. Bank name
  2. Bank complete address
  3. Bank 9-digit ABA routing number (explicitly for wires)

 

Beneficiary:
  1. Beneficiary name
  2. Beneficiary address
  3. Beneficiary account number