Wire Transfers

A wire transfer is a method of sending money electronically between financial institutions without an intermediary system, so wire transfers are typically received faster than ACH transfers. If wire transfers are enabled at your financial institution, the Wire option is available on the web or mobile Transfers page. For more information on how Narmi handles wire transfers, go to About Wires.

You can add a wire recipient to be saved for future wire transfers and manage your saved wire recipients. To manage wire recipients on the web app, go to Recipients. To manage wire recipients on the mobile app, go to Manage Recipients.

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

In this article:

• Wire Money on Web
• Wire Money on Mobile
• Add a New Wire Recipient
• View Recent Wires

Wire Money on Web

To wire money via the web app:

1. From the Transfers page, select Wire.
   
   
2. 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.
   • Memo (required) – Enter a memo about the transaction
   • Memo Line 2 – Enter an optional additional memo about the transaction
     
     At the bottom of the dialog, 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.
     
     
3. 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.
   
   
4. 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 Recipients.

Wire Money on Mobile

To wire money via the mobile app:

1. From the Transfers page on the mobile app, select Wire.
   
2. 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. – 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.
   • Memo – A note about the wire transaction
     
     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.
3. 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, then select Continue.
   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.
   
   
4. Review the wire information and if everything looks correct, select Send wire. A confirmation message appears if the wire was sent successfully.

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

Add a New Wire Recipient

You can easily add a new wire recipient during the web or mobile wire transfer process. 

To add a wire recipient via the web app wire transfer:

1. From the Transfers page, select Wire. 
2. Select To, and from the menu that appears, select Add a new wire recipient.  
3. Enter the recipient information and select Add recipient. A confirmation message appears and the recipient is automatically selected in the To field.
   
   
   

To add a wire recipient via the mobile app wire transfer:

1. From the Transfers page, select Wire. 
2. Select To, and from the menu that appears, select Add a recipient.
   
   
   
3. Enter the recipient's name, address, routing number, and account number. Select Add recipient. A confirmation message appears and the recipient is automatically selected in the To field.

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

View Recent Wires

View recent wires on a specific account's page. The "Recent wires" section is hidden by default. To unhide, on the web app, select View on the right. To re-hide, select Hide.

On the mobile app, select the Recent wires heading to expand its details.

Go to Recent Wires for more information.