What information do I need to send a wire at TBK Bank?

To send a wire at TBK Bank you need the beneficiary's full legal name and address, the receiving bank's name and address, the ABA routing number (domestic) or SWIFT BIC (international), the beneficiary account number or IBAN, the amount in U.S. dollars (or foreign currency for SWIFT), and the purpose of payment. For international wires include intermediary bank details if provided by the beneficiary. Always verify these details by phone with the beneficiary on a known number before sending.

What is the wire transfer cutoff at TBK Bank?

Domestic wire transfers at TBK Bank cut off at 3:00 PM Central Time for same-day Fedwire settlement. International SWIFT wires cut off at 4:00 PM CT for next-day release through correspondent banks. Wires submitted after cutoff process on the next banking business day. Weekend and Federal Reserve holiday submissions queue for the next business day. Plan real estate closings and high-dollar business payments to submit by 1:00 PM CT to allow time for operations review.

What are TBK Bank wire fees?

TBK Bank wire fees are typically $25 for outgoing domestic wires, $50 for outgoing international wires, and $15 for incoming wires of any type. Premium checking and some business accounts waive incoming wire fees and may include a monthly allotment of free outgoing wires. International wires also carry foreign exchange margins when converting between currencies. Review current fees inside online banking before confirming any wire.

How do I protect myself from wire fraud?

Wire fraud is preventable with a few simple habits. Always call the beneficiary on a known phone number — not a number from a recent email — to verify routing, account, and amount before sending. Be skeptical of last-minute changes to wire instructions for real estate closings, vendor payments, or executive transfers. Enable TBK Bank account alerts on all wires. If anything feels unusual, pause the wire and call customer service at +1-877-482-2265 for a fraud review.

Can I send a wire through the TBK Bank mobile app?

Yes. The TBK Bank mobile app supports wire origination once wire permissions are enabled on the account. Complex wires with document upload requirements — such as commercial real estate closings needing supporting statements — are easier to complete on the online banking web portal where file upload is fully supported. Every wire, whether from the app or web, requires multi-factor authentication and flows through the same fraud review.

TBK Bank Wire Transfer Instructions — Step-by-Step Sending Guide

TBK Bank wire transfer instructions cover domestic Fedwire and international SWIFT wire origination from online banking and the TBK Bank mobile app. Before you can send a wire, enable wire permissions at a TBK Bank branch with government-issued photo ID — this one-time activation protects new accounts from wire fraud during the early life of the relationship. Once activated, every subsequent wire runs through online banking with multi-factor authentication and fraud review.

Domestic wires settle same-day when submitted before 3:00 PM Central Time. International SWIFT wires typically arrive in one to two business days for major markets and up to five business days for smaller markets. Typical fees are $25 outgoing domestic, $50 outgoing international, $15 incoming. Premium checking relationships may waive incoming wire fees and include free outgoing wires. Contact TBK Bank customer service at +1-877-482-2265 for wire escalation.

Wire Transfer Overview Branch Locator

TBK Bank wire transfer instructions screen with beneficiary details and Fedwire routing entry

TBK Bank Wire Instructions at a Glance — April 2026

Enable wire permissions at a branch once before first wire
Domestic cutoff 3:00 PM CT for same-day Fedwire settlement
International SWIFT cutoff 4:00 PM CT; 1-2 business days for major markets
Fees: $25 outgoing domestic, $50 international, $15 incoming
Always verify beneficiary details by phone on a known number
MFA + fraud review on every wire
Mobile app supports basic wires; web portal for complex with document upload

1. Enable Wire Permissions

Visit a TBK Bank branch with government-issued photo ID. A banker activates wire permissions on the account, typically same visit. Skip this step for subsequent wires.

2. Verify Beneficiary

Call the beneficiary on a known phone number — not a number from a recent email — and confirm bank, routing or SWIFT, account or IBAN, and exact amount.

3. Log In

4. Enter Wire Details

Pick domestic or international. Enter beneficiary name, address, bank, routing/SWIFT, account/IBAN, amount, and purpose. Upload supporting documents on the web portal if needed.

5. Confirm with MFA

Complete multi-factor authentication via SMS, email, or authenticator. Review fee and estimated settlement time displayed before final submit.

6. Retain Confirmation

Save wire confirmation number. Monitor account alerts for debit posting and beneficiary receipt confirmation.

Attribute	Domestic Fedwire	International SWIFT	Notes
Required beneficiary info	Full legal name + address	Full legal name + address	Match bank records exactly
Routing / BIC	9-digit ABA	8 or 11 character SWIFT BIC	Verify on beneficiary bank site
Account / IBAN	Account number	IBAN if applicable	IBAN required for most Eurozone
Purpose of payment	Required	Required, detailed	Mandatory for BSA/AML compliance
Cutoff	3:00 PM CT	4:00 PM CT	Earlier on Fed holidays
Settlement	Same day (if before cutoff)	1-5 business days	Major markets faster
Outgoing fee	$25	$50	Premium/business may waive
FX margin	N/A	Applies on currency conversion	Locked at execution
MFA	Required	Required	Plus callback for new payees
Channel	Web, mobile, or branch	Web, mobile, or branch	Web best for document upload

All wires screened against OFAC sanctions and OCC BSA/AML standards. Consumer wire protections under CFPB.

Verify By Phone

Call the beneficiary on a known number before every wire. Do not trust numbers provided in the same email that contains the wiring instructions. For real estate, call the title company directly using a number you found independently.

Enable Alerts

Every wire alert should route to push notification for instant visibility. Report any unexpected wire activity immediately to +1-877-482-2265 for fraud escalation.

What info do I need to send a wire?

Beneficiary name/address, bank, routing or SWIFT, account or IBAN, amount, purpose. Verify by phone before sending.

What is the cutoff?

Domestic 3:00 PM CT for same-day Fedwire. International SWIFT 4:00 PM CT for next-day release.

What are the fees?

$25 outgoing domestic, $50 international, $15 incoming. Premium and some business accounts waive incoming.

How do I protect against wire fraud?

Call beneficiary on a known number. Be skeptical of last-minute instruction changes. Enable wire alerts. Pause and call +1-877-482-2265 if anything feels unusual.

Can I send a wire via the mobile app?

Yes once permissions are enabled. Complex wires with document upload are easier on the web portal.