Business Wire Transfers With Template

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Wire templates provide an efficient solution for businesses that send high volumes of one-time wire payments, saving them time on manual entry while ensuring recipient and transaction information is accurate with each wire transfer. Unlike saved recipients, wire templates store additional transaction details, such as the funding account, wire amount, and wire reason.

If your institution has wire templates enabled, your business users can send wires with or without a template. Please contact your Narmi Relationship Manager to enable wire templates.

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

Note: Narmi Banking only supports domestic wire transfers, not international wire transfers.

In this article:

Wire Money with a Template for Web

To wire money with a template via the web app:

  1. From the Transfer page, select Wire.

    Options for sending money include transfer, bill pay, member to member, and wire.


  2. Select Send via template.

    Options for making a wire transfer, highlighting sending via template method.

  3. Select an existing template and add the required Wire details. The fields under Wire details will vary depending on the template but could show one or more of the following fields if the template allows the user to enter values. Note: These fields will not display if the values were saved in the template.
    Wire reason – Select a reason for the wire. To customize wire reasons, go to Narmi Command under Configurations > Institution Settings > Wire Reason Types. To view the wire reason for a transaction, go to Narmi Command under Transactions > Wire manager and select the transaction row to see wire details.
    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

  4. 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.

  5. Memo –  Enter a note about the transaction (up to 140 characters)

    To see template details, select the down arrow on the template. If this is your first time using templates, you are prompted to Set up a template. To create a new template or edit an existing template, go to Manage Wire Templates.

    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.

    Select Next.

    Wire transfer setup screen showing template options and memo field for details.

  6. If your institution has Elevated Authentication enabled for wires, the next page requires identity verification by entering a two-factor authentication (2FA) 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. For users who have biometrics set up on their mobile device, Elevated Authentication uses biometric verification instead of 2FA. Please contact your Narmi Relationship Manager to enable sudo mode biometrics for your institution.

    If your institution wants to enable or disable elevated authentication for wires, go to Narmi Command under Institution Settings > Features Requiring Elevated Authentication > wires. After a user completes the 2FA step, they remain in Elevated Authentication Mode for the length of time in seconds that is specified by Elevated Authentication Mode Duration institution setting. To ensure that a user has sufficient time to receive and enter their authentication code, the default is 60 seconds.

    For more information, go to Elevated Authentication.

    Account verification prompt with options for receiving a security code.


  7. Review the wire information, and if everything looks correct, select Submit. A confirmation message appears if the wire was sent successfully.

    Wire transfer review for Jane Smith, including address, amount, and invoice details.

Wire Money with a Template for Mobile

To wire money without a template via the mobile app:

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

    Mobile app screen showing options for sending money include transfer, bill pay, member transfers, and wire.

  2. Select Send via template and Continue.
    Mobile app screen showing options for how to send your wire transfer, either with or without a template. Send via template is highlighted.

  3. Select an existing template and select Continue. To see template details, select the down arrow on the template. If this is your first time using templates, you are prompted to Set up a template. To create a new template, go to Manage Wire Templates.

    Mobile app screen showing wire transfer template selection for Baked Goods and Beverage Distributor options.

  4. If your institution has Elevated Authentication enabled for wires, the next page requires identity verification by entering a two-factor authentication (2FA) 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. For users who have biometrics set up on their mobile device, Elevated Authentication uses biometric verification instead of 2FA. Please contact your Narmi Relationship Manager to enable sudo mode biometrics for your institution.

    If your institution wants to enable or disable elevated authentication for wires, go to Narmi Command under Institution Settings > Features Requiring Elevated Authentication > wires. After a user completes the 2FA step, they remain in Elevated Authentication Mode for the length of time in seconds that is specified by Elevated Authentication Mode Duration institution setting. To ensure that a user has sufficient time to receive and enter their authentication code, the default is 60 seconds.

    For more information, go to Elevated Authentication.

    Account verification options include backup codes or phone number for receiving codes.


  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.

    Mobile app screen showing wire transfer review with recipient details, amount, and payment reason for baked goods.