External Transfers
Adding a Personal External Account
You have the ability to link YOUR private accounts at other financial institutions to your Online Banking with us so you can easily transfer money between the two! When you begin to add another account, you are asked to verify your ownership of that account by confirming two micro-deposits that Topside FCU makes into the external account.
Click the “Transfers” tab from the main menu and click “Add External Account”.
- Enter the account number.
- Select the account type from the drop down menu.
- Enter the routing number of the financial institution. These numbers are located on the bottom of a paper check or deposit slip from your check book.
- Click continue.
Note: In 2 to 3 business days, micro—deposits will appear in your external account. Once you receive those deposits, go to the “Verify External Account” tab to add the account. If you’d like to remove a linked member to member or external account, please call us at 540.663.2181 or visit one of our branches.
Business accounts do not qualify for external account transfers.
Personal accounts must be enrolled in digital banking for 30 days prior to this service and their account must be open for 90 days prior to the service being added to the members menu view under transfers. Accounts must be in good standing with a positive balance, no late loan payments and regular activity on the account.
Fraud Prevention:
When transferring funds to or from an external account, you’ll receive an alert requiring an additional SAC code to authorize the transaction. If the code isn’t entered, the request will be declined and flagged as potential fraud. For your own security, please make sure your Alerts are set to deliver this code promptly by using text or push notifications.
Transfer Limits:
External transfers have both per-transaction and monthly limits. If you exceed these limits, you’ll receive an alert that the transfer cannot be processed. This change was announced in our October 2025 statements. For more information call us at 540-663-2181.
For more information about online banking and to view more instructions, check out our online banking guide or our instructional videos.
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