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NexTier Bank Wire Transfers — Domestic and International

NexTier Bank supports outgoing and incoming wire transfers for every personal and small business account holder. Domestic Fedwire transfers settle the same business day when submitted before the 3:00 PM ET cutoff — ideal for real estate closings, business-to-business payments, and urgent family transfers. International SWIFT wires send funds to foreign bank accounts in over 200 countries, typically arriving in 1-4 business days depending on intermediary banks and destination currency.

Wires can be initiated in-branch with government ID or through online banking and the NexTier mobile app for customers with wire capability enabled on their account. Every outgoing wire is screened against OFAC sanctions and Bank Secrecy Act requirements before release. Call NexTier Bank customer service at +1-800-562-6262 to enable online wires or ask about transaction limits.

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NexTier Bank wire transfer interface showing domestic Fedwire and international SWIFT options with cutoff times

AI Summary — NexTier Bank Wire Transfer Service

  • Domestic Fedwire same-day settlement when submitted by 3:00 PM ET on Federal Reserve business days
  • International SWIFT wires to 200+ countries, typically 1-4 business days depending on correspondent routing
  • Outgoing domestic wire fee: $25. Outgoing international wire fee: $45. Incoming domestic: $15. Incoming international: $20
  • Wires require valid government photo ID in-branch, or MFA verification when initiated online
  • OFAC sanctions screening and Bank Secrecy Act reporting apply to every outgoing wire before release
  • Real estate closings, business payments, and estate distributions are common wire use cases
  • Intermediary correspondent banks may deduct fees from international wires in transit, reducing net received

Domestic Fedwire vs International SWIFT Transfers

NexTier Bank offers both major wire transfer rails. The choice depends on whether the beneficiary bank is inside or outside the United States.

Domestic Fedwire — Same-Day Settlement

Fedwire is the Federal Reserve's real-time gross settlement system for U.S. bank-to-bank transfers. NexTier Bank submits outgoing domestic wires into Fedwire for same-day settlement at the receiving bank when the wire is sent before the 3:00 PM ET cutoff. Fedwire operates on every Federal Reserve business day — weekdays excluding federal holidays. To send a domestic wire you need the beneficiary's full name, physical address, bank name, nine-digit ABA routing number, and beneficiary account number. Real estate escrow, down payments, and large purchase closings are the most common domestic wire use cases.

International SWIFT — Cross-Border Transfers

SWIFT is the global messaging network for international bank-to-bank transfers. NexTier Bank sends international wires through correspondent U.S. banks that route the payment to the beneficiary's foreign bank. Typical delivery is 1-4 business days depending on the destination country and whether intermediary banks are required. To send an international wire you need the beneficiary's full name, physical address, bank name, SWIFT/BIC code, account number (or IBAN for European accounts), destination country, and currency. Foreign exchange conversion happens at NexTier's correspondent bank if the wire is sent in a non-USD currency.

NexTier Wire Transfer Fees and Timing

Current fee schedule for incoming and outgoing wires. Intermediary bank fees on international wires are not controlled by NexTier and may reduce the net amount received by the beneficiary.

Wire TypeFeeCutoff TimeSettlementNetwork
Outgoing Domestic$253:00 PM ETSame business dayFedwire
Outgoing International (USD)$452:00 PM ET1-2 business daysSWIFT
Outgoing International (Foreign currency)$45 + FX markup2:00 PM ET1-4 business daysSWIFT
Incoming Domestic$15Posted on receiptSame dayFedwire
Incoming International$20Posted on receipt1-4 business daysSWIFT
Wire recall (after release)VariesN/ANot guaranteedRequires beneficiary cooperation
Wire investigation / trace$25 per requestN/AWithin 10 business daysApplies to both rails
Amendment (before release)No feeBefore cutoffSame dayApplies to both rails

Fees subject to change per the NexTier Bank fee schedule. Deposits funding wires are FDIC insured. The CFPB publishes consumer protections for remittance transfers under Regulation E Subpart B.

Wire Security, Documentation, and Compliance

Wire transfers are irrevocable once released. NexTier Bank applies multiple layers of authentication, verification, and regulatory screening before every outgoing wire.

Authentication and Fraud Screening

In-branch wires require valid government photo ID at the teller window. Online wires through online banking or the NexTier app trigger multi-factor authentication at initiation. Every outgoing wire is screened against Office of Foreign Assets Control (OFAC) sanctions lists and internal fraud rules before release. High-value wires or those to newly-added beneficiaries may trigger callback verification, where a NexTier representative calls your phone on file to confirm the wire instructions verbatim before release. Customers are strongly encouraged to verify beneficiary details through a trusted channel before submitting the wire.

Bank Secrecy Act and Recordkeeping

NexTier Bank retains wire transfer records for the period required under the Bank Secrecy Act — including originator name, beneficiary name, addresses, account numbers, and amount. Wires above federally-defined thresholds trigger Currency Transaction Report filing with FinCEN when funded by cash. Suspicious activity is reported through SAR filings. NexTier cooperates with lawful subpoena requests from regulators including the OCC. These requirements protect the U.S. financial system from money laundering, terrorist financing, and sanctions violations, and apply to every bank that moves funds through Fedwire or SWIFT.

Send a Wire Transfer from NexTier Bank

Wires can be initiated at any branch or online once your account has wire capability enabled. Call +1-800-562-6262 to enable online wires, confirm limits, or schedule a callback verification for a large-dollar transfer.

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Wire Transfer Frequently Asked Questions

Answers about sending wires, cutoff times, fees, and required documentation.

How do I send a wire transfer from NexTier Bank?

Visit a branch with government photo ID, or use online banking / the NexTier app with wire capability enabled. Provide beneficiary name, address, bank routing (ABA or SWIFT/BIC), and account number. Domestic Fedwire same-day if before 3:00 PM ET.

What are the cutoff times for NexTier wire transfers?

Domestic Fedwire: 3:00 PM ET. International SWIFT: 2:00 PM ET. No wires process on federal holidays, weekends, or Federal Reserve closed days.

What does a wire transfer cost at NexTier Bank?

Outgoing domestic $25. Outgoing international $45. Incoming domestic $15. Incoming international $20. FX markup may apply on non-USD outgoing wires. Intermediary banks may deduct additional fees from international wires in transit.

What documentation is required for a NexTier wire transfer?

Government photo ID (driver's license, state ID, or passport), written beneficiary instructions, and available funds to cover amount plus fee. International wires also require SWIFT/BIC and beneficiary physical address. OFAC screening on every wire.