Wire & ACH Transfers

ACH (Automated Clearing House)

ACH is ideal for recurring payroll, vendor payments, and personal transfers within the United States. Credits typically settle in 1–3 business days; same-day ACH may be available for eligible transfers initiated before published cutoffs. You need accurate routing and account numbers and, for business debits, proper authorization under NACHA rules.

Domestic wire transfers

Domestic wires move funds same day when submitted before the cutoff time. You will need our wire instructions (routing/ABA, account details) from Online Banking or a banker. Always verify recipient details—wires are difficult to recall once sent.

International wires (SWIFT)

International transfers require beneficiary bank details (SWIFT/BIC, IBAN where applicable), and sometimes intermediary bank information. Fees and FX rates are shown before you confirm. See also our international send money overview.

Business treasury

Commercial clients can use batch ACH, positive pay, and dual control for wires. Ask us about integration with your accounting platform and fraud tools for high-volume operations.

Fees & disclosures

Fees vary by account and transfer type. Current fees appear in our Fee Schedule and in Online Banking before you submit. Cutoff times are displayed in the transfer workflow.

Last updated: April 19, 2026