Wire Transfers (Domestic & International) — Atlantic Union Bank

Atlantic Union Bank wire transfer services provide a fast, secure and convenient way to move funds both within the United States and across international borders. Designed for individuals, small businesses and corporate clients, the wire transfer offering combines tried-and-tested banking protocols, multilayered security, and responsive customer support to help you send or receive money when timing and certainty matter most.

Key Benefits

• Speed: Wire transfers are one of the quickest methods to move funds — ideal for time-sensitive payments such as closing a property purchase, settling invoices, or meeting urgent payroll obligations.
• Reliability: Wire instructions are processed through established banking networks and clearing systems, which helps ensure clear traceability and confirmation from origin to destination.
• Global reach: Send money to many countries around the world and receive funds from international correspondents through established banking relationships and correspondent networks.
• Security and compliance: Robust authentication, fraud detection and regulatory compliance checks protect both senders and recipients while meeting legal requirements for cross-border transfers.
• Control and customization: Options to specify delivery instructions, beneficiary details, and currency choices where supported, enabling transactions tailored to your needs.

Features

• Domestic wires: Move funds within the U.S. quickly and securely to any eligible bank receiving wire transfers.
• International wires: Send funds to many foreign banks and currencies. Correspondent banks and currency conversion options are available where applicable.
• Online and in-branch access: Initiate wire transfers via secure online banking platforms for enrolled accounts or by visiting an Atlantic Union Bank branch for personalized assistance.
• Recipient confirmations: Receive confirmation receipts and reference numbers for your records and reconciliation.
• Special handling: Options for same-day processing when submitted within bank cutoff times, as well as future-dated or recurring wire instructions for planned payments.

Security and Compliance

Security is paramount in every wire transaction. Atlantic Union Bank applies multiple layers of protection, including customer authentication, encrypted transmission of instructions, internal fraud monitoring, and verification of beneficiary information. Additionally, all outgoing and incoming international wires are screened for compliance with applicable sanctions, anti-money laundering (AML) laws, and know-your-customer (KYC) requirements.

How to Send a Wire

1. Gather recipient details: full name, bank name, bank address (if required), account number or IBAN, SWIFT/BIC or routing number, and any intermediary bank instructions.
2. Choose service channel: use online banking (if enrolled), mobile app (if available), or visit a local branch to initiate the request.
3. Enter payment details: amount, currency, purpose of payment if required, and any reference information for the beneficiary.
4. Verify fees and delivery expectations: confirm applicable charges and estimated processing timeline before finalizing the transfer.
5. Authenticate and submit: sign or electronically approve the transfer using secure authentication methods.
6. Retain confirmation: keep the transaction receipt and reference number for tracking and reconciliation.

How to Receive a Wire

To receive funds, provide the sender with accurate account and bank instructions. For domestic transfers, supplying the bank routing number and account number is typically sufficient. For international payments, share your account number, IBAN (if applicable), bank SWIFT/BIC code, and any required intermediary bank details. Once the wire arrives, funds will be credited to your account according to the bank’s posting policies.

Processing Times and Cutoffs

Processing times vary depending on the transfer type, currency, destination, and intermediary banks involved. Domestic wires may be completed on the same business day when submitted before established cutoff times, while international transfers can take longer due to time zone differences, currency conversion processing, and correspondent bank routing. Allow additional time for transfers involving high-risk jurisdictions or enhanced compliance reviews.

Fees and Limits

Fees for wire transfers vary based on whether the transfer is domestic or international, the channel used to initiate the wire, and the account type. International transfers may also involve intermediary or beneficiary bank charges and currency conversion fees. Limits on transfer amounts depend on account agreements and internal risk controls; larger or unusual transfers may require additional authorization or documentation.

Eligibility and Required Documentation

Most personal and business account holders in good standing are eligible to send and receive wire transfers. For first-time or large transfers, the bank may request identification, proof of the source of funds, business documentation, or a completed foreign payment form in order to comply with regulatory and internal policy requirements.

Practical Tips

• Double-check beneficiary details before sending; incorrect account numbers or SWIFT/BIC codes can delay delivery or cause misrouting.
• Ask the beneficiary whether intermediary bank charges may be deducted so you know whether to send the exact full amount or cover additional charges.
• Use clear payment references to help the recipient identify the purpose of the transfer.
• For recurring international obligations, consider discussing payment options with bank advisors to optimize fees and timing.
• Keep records of confirmations and communications until the recipient confirms receipt of funds.

Common Questions

Q: Can I cancel a wire after it has been submitted? A: Once transmitted through the wire network, cancellation may not be possible. If you need to stop a wire, contact the bank immediately; success depends on whether the funds have been processed or accepted by intermediary or beneficiary banks.

Q: Will my international transfer be converted automatically? A: Conversion depends on the currency instructions you provide. If you specify a foreign currency, the transfer will be converted using the bank’s exchange process. If you request delivery in the beneficiary’s local currency, be aware of exchange rates and potential conversion fees.

Conclusion

Atlantic Union Bank’s wire transfer services are built to support fast, secure and compliant movement of funds for personal and business needs. Whether you are sending payroll, settling an international invoice, or receiving funds from abroad, the bank provides the tools and guidance to help manage the process with confidence. For complex or high-value international payments, consult with bank specialists for tailored solutions and to minimize delays or unexpected fees.

Address Bank: Richmond, Virginia
Bank: Atlantic Union Bank
Headquarters: Richmond, Virginia
Products: Payments & Treasury
Type: Wire Transfers (Domestic & International)