Send Wires faster and track them in real time.
Wire Transfers in the upgraded Business Digital Banking let you send domestic wires on your schedule — one at a time or using saved templates for vendors you pay regularly. Enter beneficiary details, validate routing numbers, attach supporting documents, and track your wire's status from submission to completion.
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Enter beneficiary name, account number, financial institution routing number, wire amount, and any memo or reference information. One-time wire details are not saved — use a template for recurring payments.
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Save beneficiary details as a named template to speed up future wires. Select the template, enter the amount and delivery date, and submit. Templates can be edited or deleted from the Wire Templates library.
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Using a saved template, set a 'Deliver By' date to schedule a wire in advance. Ideal for time-sensitive payments — no need to log in on the day the wire needs to go out.
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Upload a supporting file — invoice, purchase order, or contract — directly to your wire submission. Attachments are stored with the wire record for your records.
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Every wire you submit is listed in Wire History with a live status. Status codes include: In Process, Processed, Under Review, Returned, FI Rejected, Canceled, Failed Pre-Funding, Failed Fee Debit, and Failed Processing.
A one-time wire is a single transaction — you enter all beneficiary and payment details manually, and they are not saved when the wire is submitted. A wire template saves the beneficiary's information (name, account number, financial institution, wire instructions) so you can reuse it for future payments without re-entering details.
Yes. Using a saved wire template, you can specify a 'Deliver By' date to schedule the wire for future processing. One-time wires cannot be scheduled — they are processed as soon as they are submitted and approved.
After submitting a wire, it appears in Wire History with a real-time status. 'In Process' means it has been submitted and is being reviewed. 'Processed' means the wire has been sent. If a wire is rejected or returned, the status will update accordingly, and you can review the reason in Wire History.
Wire cutoff times vary based on wire type and destination. For current cutoff times, contact Member Service at (800) 621-2105 or speak with your Treasury Management Officer. Wires submitted after the daily cutoff will be processed the following business day.
You may be able to cancel a wire while it is in 'In Process' or 'Under Review' status. Once a wire has been transmitted to the receiving financial institution, cancellation may not be possible. Contact Member Service immediately at (800) 621-2105 if you need to attempt a wire recall.
Wire limits are set per account based on your business's relationship with Elements. Contact your Treasury Management Officer to confirm your current wire limits or to request a limit increase.
