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Sending domestic wires in private client edition


This article applies to Private Client Edition only.

Domestic wire transfers are already enabled within your Digital Banking profile. Please note that all wires are subject to a 4:30pm ET cutoff. Authorization for the wire must be obtained by the cutoff time on or before the selected Process Date.

To send a wire, follow these steps:

Step 1: Go to the Transfers & Payments menu and select Payments & Wires.

Step 2: Click "New Payment" and select "Domestic Wire."

Step 3: Choose the Account from which you would like to send the wire. Only Checking Accounts may be selected.

Step 4: Choose the Process Date that you would like the wire to process, using today's date if you would like the wire to process immediately.

Step 5: Choose the Recipient/Account that you would like to send the wire to. If you have not set up any recipients, choose "New Recipient".

Step 6: Enter the "Display Name" for the recipient. This will be the recipient name within Digital Banking, but will not be sent to the recipient in the wire transfer.

Step 7: Enter the Account Number at the receiving financial institution (FI).

Step 8: In the Beneficiary FI section, enter the Name of the FI along with the FI's ABA/Routing number for wires and the FI's address. Keep in mind that many FI's will have multiple routing numbers and addresses depending on the receiving branch. The wire recipient/beneficiary should provide this information within their wire instructions.

OPTIONAL: If the beneficiary has provided instructions that indicate an Intermediary Bank is to be used, complete the Intermediary Bank information. Otherwise, skip this section.

Step 10: In the Recipient Details section, enter the name of the person or company you are paying in the Wire Beneficiary field as well as complete the Address fields for the recipient (their home or place of business).

Step 11: Click Save Recipient.

Step 12: Enter the amount of the wire.

OPTIONAL: If the beneficiary has provided additional instructions, use the Optional Wire Information fields for this detail:

  • Message to Beneficiary (OBI): this field will be sent along with the wire information and will inform the beneficiary as to additional instructions (for example, which customer account number to apply the funds to).
  • Reference for Beneficiary: this field will also be sent along with the Message to Beneficiary, however some banks do not pass the information on to the beneficiary, so only use it if you are instructed to do so.
  • Description: use this field as an internal "memo" so that you have a description of the wire payment's purpose. It will not be sent with the wire and will only appear for you within Digital Banking.

Step 13: Click Approve. You will be presented with options to choose available SMS-enabled phone numbers for a one-time-pin code to be sent to your mobile phone to authorize the wire. Choose the desired phone number.

If no phone numbers appear, click Draft on the wire to save the information, then proceed to Settings > Security Preferences > Secure Delivery to enter an SMS-enabled phone number. Then return to the Activity Center to find the drafted transaction to Approve. Sending online wires requires that you have an SMS-enabled phone.

Step 14: In the box on the screen, enter the 8-digit code that was sent to the number chosen and click Authorize. Your wire will now process on the chosen process date.

For additional questions and help, please call our Concierge Desk at (888) 322-2120.