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By: Matt Schuster Published: Aug 21, 2017, 12:44:46 PM A traditional wire transfer is a method to transfer funds electronically from one bank to another bank. We typically get a lot of questions about how they work so we tried to answer some FAQ’s about wire transfers today on the blog. **How do I make a wire transfer?** All The Bank of Tioga clients can make wire transfers by visiting one of The Bank of Tioga [locations](https://www.thebankoftioga.com/home/locations.html) and filing out a wire [form.](https://www.thebankoftioga.com/documents/TBOT-1034-Receiving-Incoming-US-Wire.pdf) The Bank of Tioga clients can also call in to the [client contact center](https://www.thebankoftioga.com/contact/contact-us) to request a wire by calling 701.664.3388. If you are not a The Bank of Tioga client, you will not be able to make or receive a wire transfer. **What information do I need to make a wire transfer?** You must be considered an authorized signer on your The Bank of Tioga account and sufficiently prove your identity before a wire transfer will be authorized. You will also need to provide the information for the bank receiving the transfer. This includes the receiving bank’s name, address, routing number along with your account number and the name on the account.  **What are the advantages of sending a wire?** When funds are deposited into an account via check, financial institutions must first validate the funds from the delivering bank. This process can take several business days, during which you may not have access to these funds. With a wire transfer, the funds are available immediately after the deposit is made into the receiving account. This is why The Bank of Tioga requires extra security measures to make a wire transfer. **What is a SWIFT code? ** Society for Worldwide Interbank Financial Telecommunication (SWIFT) is a unique code required by banks on an international wire transfer. **Is there a deadline for requesting wires?** All The Bank of Tioga outgoing domestic wire requests must be completed by 3:00 pm CST and all outgoing international wire requests must be completed by 1:00 CST in order to be processed the same day. **Is there a fee for wire transfers?** The outgoing domestic wire fee at The Bank of Tioga is $25.00. The outgoing international wire fee at The Bank of Tioga is $65.00. The Bank of Tioga does not charge a fee for incoming wires. If you are looking to send a wire to The Bank of Tioga, you can find the form [here](https://www.thebankoftioga.com/documents/TBOT-1034-Receiving-Incoming-US-Wire.pdf). Questions? Call our client contact center at **(701)-664-3388.**   ![Matt Schuster, Operations Specialist.png](https://blog.thebankoftioga.com/hs-fs/hubfs/TS%20Bank/Blog/Matt%20Schuster%2c%20Operations%20Specialist.png?t=1502913986345&width=273&name=Matt%20Schuster%2c%20Operations%20Specialist.png) [BACK](https://blog.thebankoftioga.com) - [Privacy Policy](https://www.thebankoftioga.com/documents/TBOTPrivacyPolicy.pdf) - [Patriot Act](https://www.thebankoftioga.com/home/patriot-act.html) - [Terms of Use](https://www.thebankoftioga.com/home/terms-of-use.html) - [Locations](https://www.thebankoftioga.com/home/locations.html) ### Ignite Prosperity® [FDIC Opens a New Window.](http://www.fdic.gov/)