ONLINE WIRE TRANSFERS: FAQs
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Wire transfer payments in online banking are available to both consumers and small business banking clients with DDA or Savings accounts.
To enable wire transfers in Online Banking, you will need to download and complete the "Wire Application and Agreement for Online Banking" and take it to any of our convenient branch locations. This is a new and separate agreement specifically for Online Banking Wires. You can also sign the form in front of a notary and mail it to the following address:
Online Banking Wire Operations
PO Box 25726
Salt Lake City, UT 84125-0726
The agreement can be found in Online Banking. Look under the Payments tab, then click on the Wire Application link. Or, look under the Services tab in the Account Services section. The Wire Application for Online Banking is also located in the agreement center of the bank website.
To use the Online Banking wires service, you must enroll in Enhanced Account Protection (1) if you are a business that does not use Dual Authorization, or (2) if you are a consumer. EAP is a free internal security tool for wire transfers and certain other types of Online Banking transactions. When your account is first enabled for wire transfers, you will be prompted to enroll in EAP the next time you login to Online Banking (unless you are a business with Dual Authorization).
Business Online Banking clients have the option of using Dual Authorization instead of EAP. Dual Authorization requires two individuals to complete a transaction as an internal security tool for business accounts.
Domestic wire transfers (i.e., wires that are sent from one location within the United States (US) to a different location in the US) are available in Online Banking. To make an International (outside the United States) wire transfer, you need to visit a branch location or call the Central Wires department. To call Central Wires, you will need to have a Wire Transfer Agreement already in place.
Transmission of Federal Tax Wire Payments is not permitted through Online Banking. To make a Federal Tax Wire Payment, you need to visit a branch location or call our Central Wires department. Business clients have the option to enroll in ACH Direct Deposit and Tax Payments as an alternative method of payment.
Once the bank has received your "Wire Application for Online Banking" form, allow three business days for processing. Once processing is completed, you will have access to the wires functionality within Online Banking. All online banking wires are subject to the terms and conditions attached to that Wire Application.
There is no limit to the number of wires you can make through Online Banking.
You can transfer up to $50,000 per day through Online Banking. If you need to transfer more, you need to visit a branch location or call our Central Wires department to complete the transaction.
The default transfer limit is $50,000 per transaction, and $50,000 total per day, but you have the option to set lower limits. To do this, simply specify a lower limit when completing your "Wire Application for Online Banking." A new Wire Application is needed if you wish to change an existing limit.
The standard wire transfer fee that has been disclosed to you in connection with the deposit account you will be using will also apply to wires transfers made using Online Banking. (Note: lower fees or fee waivers applicable to certain accounts or relationships may not apply to wires originated through Online Banking.)
Wire transfer functionality can be found in Online Banking under the Payments tab. If this functionality is not enabled, you will see a Wire Application link under the Tab menu.
An existing agreement for sending wires by means other (e.g. calling Central Wires) will remain in place for those wires, but the Wire Agreement for Online Banking will govern any wires you send via online banking. To enable the wire functionality in Online Banking, you will need to download and complete the Wire Application for Online Banking. Then, submit by mail or take it to any of our convenient branch locations.
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