Business Wire Transfers Without Template

The following instructions are for business users wiring money without a template. To use a wire template, go to Business Wire Transfers With Template. For consumers, go to Consumer Wire Transfers. For more information on how Narmi handles wire transfers, go to About Wires.

To manage wire recipients on the web app, go to Wire Recipients. To manage wire recipients on the mobile app, go to Manage Wire Recipients.

Note: Our Digital Banking product only supports domestic wire transfers, not international wire transfers.

In this article:

• For Web

• For Mobile

Wire Money without a Template for Web

To wire money without a template via the web app:

1. From the Transfers page, select Wire.
   

   

   
   

2. Select Send without a template.

   

3. In the form that appears, select/enter information for the wire. This includes the following fields:

   • From – Select the account the wire will be sent from

   • To – Select the recipient of the wire. To add a new recipient, select Add a new recipient from the list. Go to Add a New Wire Recipient for instructions.

   • Amount – Enter the amount of the transaction. Wire transfer limits can be applied for individuals or organizations via segmentation. For more information, go to Transfer Limits.

   • Wire reason – Select a reason for the wire. If you would like to enable or customize wire reasons, please contact your Narmi Relationship Manager. The default wire reasons are:

     • Dividends

     • Interest payment on loan

     • Investments

     • Non-dividends distributions

     • Payments for products

     • Payments for services

     • Purchase of real estate

     • Rent

     • Return of loan principal

     • Transfer between own accounts

     • Other

   • Memo (required) – Enter a note about the transaction (up to 140 characters)

     

     
     Below the Memo field, select View your wire transfer limits and disclosures to learn about wire fees or limits. This may also include cut-off times for same-day wire processing. For information on limits, go to Transfer Limits. For instructions on editing disclosures, go to Transfer Disclosures.
     
     After entering the required information, select Review.

4. If your institution has two-factor authentication enabled for wires, the next page requires identity verification by entering a verification code. Select a method of verification, then select Continue. Follow the prompt on the next page to enter the code that appears on the trusted device. If your institution would like to enable two-factor authentication for wires, go to the Admin Platform, under Institution Settings > Elevated Authentication Mode Required for Wires. You can also configure how long the user has to complete two-factor authentication before they are prompted again. The default is 60 seconds, and you can configure this under Institution Settings > Elevated Authentication Mode Duration.

   

   
   

5. Review the wire information, and if everything looks correct, select Make transfer. A confirmation message appears if the wire was sent successfully.

   

To manage wire recipients on the web app, go to Wire Recipients.

Wire Money without a Template for Mobile

To wire money without a template via the mobile app:

1. From the Transfers page on the mobile app, select Wire.

   

2. Select Send without a template and Continue.
   

3. Enter information for the wire. This includes the following required fields:

   • Amount – Enter the amount of the wire transaction. Wire transfer limits can be applied for individuals or organizations via segmentation. For more information, go to Transfer Limits.

   • From – Select the account the wire will be sent from

   • To – Select the recipient of the wire. To add a new recipient, select Add a recipient. Go to Add a New Wire Recipient for instructions. If there are no recipients to select, the option to add a recipient automatically appears.

   • Wire reason – Select a reason for the wire. If you would like to enable or customize wire reasons, please contact your Narmi Relationship Manager. The default wire reasons are:

     • Dividends

     • Interest payment on loan

     • Investments

     • Non-dividends distributions

     • Payments for products

     • Payments for services

     • Purchase of real estate

     • Rent

     • Return of loan principal

     • Transfer between own accounts

     • Other

   • Memo (required) – Enter a note about the transaction (up to 140 characters)  

     Below the Memo field, select View your wire transfer limits and disclosures to learn about wire fees or limits. This may also include cut-off times for same-day wire processing. For information on limits, go to Transfer Limits. For instructions on editing disclosures, go to Transfer Disclosures.
     

     
     After entering the required information, select Review.

4. If your institution has two-factor authentication enabled for wires, the next page requires identity verification by entering a verification code. Select a method of verification, then select Send code.

   

   
   Follow the prompt on the next page to enter the code that appears on the trusted device.
   If your institution would like to enable two-factor authentication for wires, go to the Admin Platform under Institution Settings > Elevated Authentication Mode Required for Wires. You can also configure how long the user has to complete two-factor authentication before they are prompted again. The default is 60 seconds, and you can configure this under Institution Settings > Elevated Authentication Mode Duration.

   
   

5. Review the wire information, and if everything looks correct, select Submit or Submit for approval (if your institution has Dual Approvals enabled). A confirmation message appears if the wire was sent successfully.

   

To manage wire recipients on the mobile app, go to Manage Wire Recipients.