We send money to the USA using a local internal payment method – the ACH network. Money is sent from funds we maintain in a US bank account to the beneficiary’s US bank account using the internal domestic ACH network – similar to the UK BACS system.
In order to set up a successful payment for the US you will need to provide the bank account ABA Routing Numbers for an ACH transfer – not a wire transfer (wire transfers are used for international payments from abroad – e.g., SWIFT – or fast internal payments – similar to the UK CHAPS service).
For larger US banks there will be multiple ABA Routing Numbers
As an example, the Bank of America quote on their website ABA Routing Numbers for all their branches (https://www.bankofamerica.com/deposits/resources/faq-routing-numbers.go) All branches share the same ABA Wire Transfer number but have unique ABA numbers by state – e.g. for branches in the Washington DC, then they show as:
Bank of America ABA Routing Number:
Washington DC
Electronic (ex. Direct Deposit/Automatic Payment): 054001204
Wire Transfer: 026009593
For smaller US banks
Many US banks don’t have correspondent bank links for foreign payments, so when US residents believe you are sending money from abroad, they often quote a route using an intermediate, larger bank and its ABA Routing Number. This will not work with our ACH service. You will need the ABA Routing Number of the target bank for the account you are paying into.
An example, here is the advice given by the bank to send money to an account with the City and Police FCU in Florida:
“Here is the sequence you need to follow to send the money:
First, the money is sent to: Southeast Corporate Federal Credit Union, in Tallahassee, FL with an ABA Routing number 263189069
Second, the money is then sent to the City and Police Federal Credit Union, Routing number 263079289”
The right ABA Routing Number to put into GlobalWebPay’s recipient details in this example would be the FCU’s one – 263079289.