Wire Transfers (Domestic & International) — First Horizon National Corporation

First Horizon National Corporation offers a comprehensive wire transfer service designed to move funds quickly, securely and reliably both within the United States and around the world. Whether you are an individual sending a one-time payment, a business managing payroll and supplier disbursements, or a treasury professional coordinating large-value settlements, wire transfers provide a fast, final and traceable method to transmit money across accounts and across borders.

Key Features

• Domestic and international reach: Access to domestic payment rails and international correspondent networks to deliver funds to major banking centers worldwide.
• Speed and finality: Domestic wires typically settle the same business day; international transfers are routed through correspondent banks and generally complete within standard international timeframes.
• Currency support: Ability to send and receive funds in U.S. dollars and a variety of foreign currencies, with transparent currency conversion practices.
• Multiple delivery channels: Initiate transfers through online banking, mobile apps, branch service, or through dedicated treasury and commercial banking teams for high-volume or complex workflows.
• Tracking and confirmations: Receive confirmations and trace numbers for every wire, enabling clear reconciliation and monitoring of payment status.
• Payment customization: Include payment references, remittance details and structured beneficiary information to assist recipients with allocation and reconciliation.

How the Service Works

Initiating a wire is straightforward. You will be asked to provide key beneficiary details, such as the recipient’s name, account number, bank name, routing number or SWIFT/BIC, and, where applicable, IBAN and address information. For international wires, additional information—such as intermediary bank details or purpose-of-payment codes—may be required to satisfy beneficiary country or compliance requirements.

Once submitted, domestic wires are typically processed over domestic payment systems; international wires are forwarded through correspondent and clearing networks. Each transfer is assigned a unique tracking or reference number that can be used to monitor progress and confirm delivery.

Security and Compliance

• Robust authentication: Multi-factor authentication, secure session controls and transaction verification help ensure only authorized users initiate wire transfers.
• Fraud detection: Advanced monitoring systems detect unusual or high-risk activity and may trigger additional verification steps to protect customers.
• Regulatory compliance: Wire transfers are subject to Know Your Customer (KYC), Anti-Money Laundering (AML) and trade sanctions screening to comply with applicable laws and financial regulations.
• Encrypted transmission: All payment instructions and confirmations are transmitted over secure channels and safeguarded to maintain confidentiality and integrity.

Business and Corporate Capabilities

For corporate clients and treasury functions, the wire transfer service supports batch processing, scheduled or recurring payments, detailed reporting, and integration options for ERP and treasury management systems. Connectivity and file formats accommodate high-volume disbursement needs and reconciliation workflows, enabling businesses to centralize global payables and manage liquidity efficiently.

Pricing, Limits and Timing

Fees, daily limits and cut-off times vary by account type, transfer corridor and the channel used to originate the payment. International payments may incur correspondent bank charges and foreign exchange spreads. Customers should review the applicable fee schedule and discuss corporate arrangements if high-volume or high-value processing is anticipated. Cut-off times and processing windows determine same-day execution for domestic wires and influence expected delivery windows for cross-border payments.

Use Cases

• Urgent supplier payments: Deliver time-sensitive funds to vendors to meet contractual or shipment deadlines.
• Salary and payroll top-ups: Make immediate payments for special payroll runs or one-off employee disbursements.
• Cross-border investments and settlements: Fund international purchases, investment settlements and intercompany transfers.
• Real estate and escrow transactions: Provide secure, traceable settlement funds for closings and large-value transfers.

Best Practices

• Verify beneficiary details carefully—names, account numbers, routing/SWIFT/BIC/IBAN—to prevent delays and misdirected funds.
• Include clear remittance information so recipients can apply funds immediately and correctly.
• Be mindful of time zones and banking holidays in beneficiary countries when planning execution dates.
• Consider foreign exchange timing and hedging for large international currency exposures.
• Implement internal controls for authorizations and dual approvals on high-value transfers to reduce fraud risk.

Questions and Support

For guidance on initiating wire transfers, documentation requirements, or assistance with tracking and reconciliation, customers can consult their relationship manager or customer service team. Dedicated commercial and treasury specialists can help structure payment workflows, integrate systems and design controls that align with organizational needs.

Conclusion

Wire transfer services from First Horizon National Corporation provide a fast, secure and widely accepted way to move funds domestically and internationally. With strong security, comprehensive support for corporate needs, and the ability to reach global banking partners, wire transfers are a core tool for individuals and businesses requiring timely, reliable settlement of payments. For specifics about availability, pricing and services tailored to your account or business, speak with a banking representative who can outline options that match your payment volume and operational requirements.

Address Bank: Memphis, Tennessee, U.S.
Bank: First Horizon National Corporation
Headquarters: Memphis
Products: Payments & Treasury
Type: Wire Transfers (Domestic & International)