Wire transfers: cutoff times, timing and fees

Same day at home if you beat your bank’s cutoff. Final once sent.

A domestic wire moves one payment at a time over Fedwire and settles immediately. Your bank’s cutoff time decides whether it goes today or the next business day, and banks set it well before the Fed’s own deadline. Once sent, a wire cannot simply be reversed. Find your bank’s cutoff and fee in the cutoff table. The details and steps your bank asks for are in how to send a wire transfer.

At a glance

Your bank’s same-day cutoff2:00 PM to 6:45 PM ET at the banks we checked; many publish none

Fedwire deadline for customer transfers6:45 PM ET

Weekends and Fed holidaysClosed; next holiday Veterans Day, November 11, 2026

Outgoing domestic wire fee$15 to $40 at the banks we checked, by bank and channel

Sources: Federal Reserve Financial Services · each bank’s own fee schedule, on its bank page · Fee and cutoff figures checked on September 27, 2026. Holiday date: Federal Reserve holiday schedule, checked on October 20, 2026

If a wire came back to you instead of reaching the recipient, start with the bank’s return reason: see wire transfer returned.

Every wire transfer guide, newest first, is in the wire transfer guides archive. All our side-by-side bank comparison tables are in one place.

Tracing a sent Fedwire payment? IMAD OMAD numbers identify the bank’s payment record and help separate processing from account credit.

Cancelling a transfer

International remittances

Cancel an international money transfer

Act immediately: a covered US remittance may have a short cancellation window before the money is collected.

Wire guides

Timing

How long do wire transfers take? Same day at home, days abroad

A domestic wire sent before your bank's cutoff usually arrives the same business day. International wires take longer.

Receiving

How to receive a wire transfer: details, fees and timing

What to give the sender, what banks charge to receive a wire and how fast the money must reach your account.

Cutoff times by bank

Wire transfer cutoff times by bank (in ET)

The wire transfer cutoff time and domestic fees at 37 US banks and credit unions, in ET where specified, from their own pages with check dates.

Holidays

Federal Reserve holidays 2026: when wires and ACH pause

Four Fed holidays are left in 2026. Wires and ACH stop on each one; FedNow instant payments keep running.

Troubleshooting

Wire transfer not received: what to check and who to call

What to check when a wire is late, what the sender can ask the bank for, and your rights.

Fees

International wire transfer fees: what US banks charge

What big US banks charge to send and receive international wires, from their own fee schedules.

Compare

ACH vs wire transfer: speed, cost, limits and what you can undo

Wires land the same day and are final. ACH is batched and easier to dispute. Which to use when.

Compare

Wire transfer vs cashier's check: cost, speed and safety

A wire costs more and moves the same day; a cashier's check costs $10 to $15 and carries its own fraud risk.

Navy Federal

Navy Federal wire transfer: fees, forms, timing and how to receive

Navy Federal wire transfer: $20 domestic, $25 international, incoming free. How to send with the wire form, timing, receiving details and canceling.

USAA

USAA wire transfer: fees, cutoff times, limits and how to receive

USAA wire transfer: $20 domestic, $45 international, incoming free. Cutoff 5:00 PM ET, limits, what you need, receiving instructions and cancellation.

Capital One

Capital One wire transfer: fees, limits, cutoff and how to send

Capital One wire transfer: $30 online, $40 international (branch only), $50,000 daily online limit, 2:00 PM ET cutoff. How to send, cancel and receive.

Wells Fargo

Wells Fargo wire transfer: routing number, fees and cutoff

Wells Fargo wire transfer routing number 121000248 and SWIFT WFBIUS6S, as Wells Fargo publishes them. Fees $30 digital, $40 branch; cutoff 6:00 PM ET.