SWIFT Code EFCUUS33 — ESL FEDERAL CREDIT UNION, ROCHESTER,NY

About SWIFT Code EFCUUS33 — ESL FEDERAL CREDIT UNION, ROCHESTER,NY

SWIFT code EFCUUS33 is the official 8-character head-office BIC (Bank Identifier Code) for ESL FEDERAL CREDIT UNION in ROCHESTER,NY, United States. Standardised under ISO 9362 and maintained by the Society for Worldwide Interbank Financial Telecommunication (SWIFT), this code is used exclusively for cross-border wire transfers and is recognised by financial institutions in over 200 countries.

This code must be provided to the sender when receiving money from abroad, and is required by ESL FEDERAL CREDIT UNION for all outward international remittances from ROCHESTER,NY. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code EFCUUS33

The code EFCUUS33 follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code EFCUUS33

Receiving International Wire Transfers

To receive money from abroad at your ESL FEDERAL CREDIT UNION account in ROCHESTER,NY, share SWIFT code EFCUUS33 with the sender along with your full account number, your name as on the account, and the branch address.

NRI Remittances

Non-Resident Indians sending money to NRO/NRE accounts at ESL FEDERAL CREDIT UNION, ROCHESTER,NY must provide SWIFT code EFCUUS33. Major remittance platforms — including Wise, Remitly, Western Union, and MoneyGram — use this code to route transfers accurately.

Trade Finance and Foreign Payments

Importers and exporters using ESL FEDERAL CREDIT UNION in ROCHESTER,NY rely on SWIFT code EFCUUS33 for letters of credit, bank guarantees, and foreign currency settlements.

SWIFT Code vs IFSC vs MICR vs BSR — Key Differences

Need the IFSC code for domestic NEFT, RTGS, or UPI transfers? View the IFSC code for ESL FEDERAL CREDIT UNION →

For cheque clearing or NACH mandates, use the MICR code for ESL FEDERAL CREDIT UNION →

For TDS challan deposits, find the BSR code for ESL FEDERAL CREDIT UNION →

How SWIFT Code EFCUUS33 Routes an International Transfer

1. Initiation: The sender provides SWIFT code EFCUUS33 and account number to their bank.
2. Validation: The sending bank validates the BIC against the SWIFT registry.
3. Routing: An MT103 SWIFT message is transmitted through the network to ESL FEDERAL CREDIT UNION.
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: ESL FEDERAL CREDIT UNION receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code EFCUUS33

• Spaces or lowercase letters — Always enter EFCUUS33 uppercase with no spaces.
• Using the wrong city — This code is for ROCHESTER,NY only.
• Truncating to 8 characters — When 11 characters are required, always use the full code.
• Using SWIFT for domestic transfers — Use the IFSC code for any transfer within United States.

Data Accuracy

BankZop sources SWIFT/BIC data from publicly available banking registries and official disclosures, updated regularly. For the highest-stakes transactions, always confirm EFCUUS33 directly with ESL FEDERAL CREDIT UNION's ROCHESTER,NY branch or via the SWIFT BIC Directory.