Moving Your Money

Domestic Wire Transfer Services

Summary of service

A fast, secure and efficient way to send or receive a specific amount of currency within the US and territories that are connected to the FedWire System.

Essentials to know

  • Initiating wires: Your templates will transfer to First Citizens. However, some may require your attention. Visit Commercial Advantage for details.
  • Receiving wires: Be sure to provide senders with your new routing number in effect on July 18. To see if your account number is also changing, refer to your First Citizens Welcome package mailed on June 10. Provide the new number to your senders, if necessary.
  • Making wire transfers and wire drawdowns: Wire Transfer Authorizations and Wire Drawdown Authorizations will be processed with no dollar limits. Direct Send and Book Transfers will be processed as domestic wires through Commercial Advantage.
  • Reverse drawdowns: Be sure to advise your bank about the ABA number change effective July 18.
  • The cutoff time for sending and receiving domestic wires will be 6 pm ET.
FAQ

People often ask us

More information about domestic wire transfers can be found in the Commercial Advantage Learning Center.

First Citizens does not offer Book Transfer through Commercial Advantage services. Therefore, you'll need to use the Domestic Wire Transfer Service to complete this activity. Digital Banking for business does offer Book Transfer and you'll continue to use this service as you do today.

Yes. You'll follow the First Citizens fee schedule for Commercial Advantage & Domestic Wire Transfer Service. Contact your relationship manager for more information about the fee schedule.

Visit your local branch to modify an existing Wire Drawdown Authorization or create a new one.

No. First Citizens doesn't have limits around Wire Drawdown Authorization.

All batch wire transactions submitted through file upload via Commercial Advantage prior to 4 pm ET, or a single wire transaction prior to 6 pm ET, Monday through Friday—excluding bank holidays—will be processed the same day for delivery.

No. First Citizens doesn't support Wire Fax Advice. If you were previously enrolled in Wire Fax Advice, you'll now receive Email Advise Notifications. If you want to be enrolled in this service, visit your local branch to complete the required enrollment process.

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