Wire Transfers

A guide to seamless transfers
Your money has a one-way ticket to smooth sailing.
Moving image of a sailboat with the water rippling.

FEE-FREE! INCOMING WIRE TRANSFERS

To receive a transfer:

Gather the goods.
Go ahead and give this information to the sender:
Our routing number (264281432) and physical address (501 LaFayette Drive, Oak Ridge, TN 37830) 
Your (the receiver's) name, physical address, and account number
That's it! Just remember that for international transfers, we do not have a SWIFT code. Instead, we use the routing number 264281432.

OUTGOING WIRE TRANSFERS

To send a transfer:

Get in touch.
Initiate the transfer by visiting a branch or calling us at 800-482-1043. Please have the following handy:
The recipient's name, account number, and physical address
The receiving financial institution's name, routing number, and physical address
The receiving financial institution's SWIFT code for an international transfer
That's it! Just remember a couple notes:
The same-day processing cutoff time (Monday - Friday) is 2:30 p.m. EST for submitting by phone or 3:30 p.m. EST for submitting by branch.
Consumer outgoing wire transfers are $15 for domestic and $95 for international.

FREQUENTLY ASKED QUESTIONS

We've got answers:

  • It's a way you can shuffle funds electronically between financial institutions through the Federal Reserve, the Society of Worldwide Interbank Financial Telecommunications (SWIFT) network, or the Clearing House Interbank Payment System (CHIPS).

  • Nope! A wire is processed by our employees and are often faster than an Automatic Clearing House (ACH) transfer. ACH transactions are batch-processed automatically and can take up to three business days to complete.

  • Yes, they are secure. However, fraudsters can impersonate a person or company. Always send wires to trusted, verified individuals or organizations.

  • For same-day processing (available Monday - Friday), please submit your request by 2:30 p.m. EST by phone or 3:30 p.m. EST by branch. Requests submitted outside the same-day processing window will be processed the next business day.


WIRE TRANSFER SCAMS

Be a wire whiz   

Fraudsters can impersonate people and organizations to steal money. Keep these tips in mind:

Always confirm the recipient's information and identity before wiring any money.
Ensure the wire instructions and information provided are from a trusted source and verified.
Double-check that the details like names and account numbers are written correctly.