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Wire Transfers

An effective way to move money fast!

If you want to send or receive a large sum of money, a wire transfer could be smart option.

Providence Bank wire transfers allow you to send and receive funds both domestically and internationally from either your business or personal checking account. Whether you’re sending money to family, friends, or a business, or if you’re the person receiving money – a wire transfer is a secure way to ensure that the funds are properly exchanged.
Domestic Wires
You will need to provide us with the wiring instructions for the receiving financial institution including:
  • Financial Institution Name
  • Financial Institution Address
  • Routing Number
  • Beneficiary Name
  • Beneficiary Address
  • Beneficiary Account Number
International Wires
Due to the complexity of international wires, please contact Deposit Operations at 573.761.3666 to discuss your specific request.
 
Our cutoff times for same day processing are 4 pm CT for domestic wires and 2 pm CT for international wires Monday through Friday. Wires requested after these times will be placed the following business day.
 
Stop by any of our Banking Centers to send a wire.
 
Please see our Schedule of Fees for the current charges for incoming and outgoing domestic and international wires. 
Domestic Wires
Wire to:
Providence Bank
3855 Forum Blvd
Columbia, MO 65203
ABA# 081905085
 
Credit:
Your name and account number
 
International Wires:
Due to the complexity of international wires, please contact Deposit Operations at 573.761.3666 to discuss your specific request.
 
Please see our Schedule of Fees for the current charges for incoming and outgoing domestic and international wires.
What is a wire transfer?
It’s a way of moving money from one person or financial institution to another.
 
Are wire transfers secure?
Bank-to-Bank wire transfers are considered to be the safest payment method worldwide. The information is encrypted and transmitted securely. Additionally, the account holders that send and receive funds must prove their identity.
 
If someone you don’t know asks you to send or receive a wire transfer, we recommend you decline. If you accept the request, you may become an unknowing participant in illegal money laundering. You may also become a fraud victim. Here are some tips to keep you and your accounts safe online.
 
  • Ignore unsolicited email job offers or opportunities, especially if the company is overseas.
  • Never give your bank account details to someone you don’t know.
  • Be cautious of lottery inheritance scams.
  • Contact us at 573.761.3666 if you have questions or concerns about fraudulent wire transfer activity.
Can someone wire funds to my account at Providence Bank?
Yes, someone with your account information can wire funds directly to your Providence Bank account. You will need to provide your account number and wire transfer routing number.
 
How long will it take for the recipient to get my outgoing wire transfer?
Processing time for domestic wire transfers varies from bank to bank, but they should generally be received within one business day. International wire transfers can be affected by several factors and could take several days to be received.
 
When will an incoming wire appear in my account?
Incoming wires received before 5 pm CT should be processed and posted to your account the same day. Requests after 5 pm CT should be processed the next business day.
 
If your incoming wire isn’t received in that time frame, contact the sender or originating bank for help.
 
Can I cancel or change an outgoing wire transfer after it has been sent?
Wire transfer requests can only be canceled if we receive your request before we send the money. If the money has already been sent, we can attempt to recall or change a wire but cannot guarantee that the request will be honored by the recipient’s bank.
 
What should I do if the recipient didn’t get my outgoing wire transfer?
Processing time for domestic wire transfers varies from bank to bank, but they should generally be received within one business day. International wire transfers can be affected by several factors and could take several days to be received.
 
If your outgoing wire transfer isn’t received in that time frame, please call us at 573.761.3666 to open a wire investigation.
 
Can you help me research an incoming wire transfer?
Unfortunately, we’re unable to research incoming wire transfers. However, the person or financial institution that sent the wire should be able to track it.
 
Are there fees for wire transfers?
Fees may apply, depending on the type of wire. Please see our Schedule of Fees for current wire transfer fees.