Wire Transfer: User Guide
Wire Transfer: User Guide
Wire Transfer: User Guide
User Guide
WIRE TRANSFERS
A wire transfer is an electronic transfer of funds from a specified bank and account to a different specified bank and
account, either domestically or internationally. The bank’s wire system is part of our Business Banking Online. Users of
this system can create and edit wires and wire templates, check on the status of wires, add beneficiaries, approve
wires, and run wire usage reports.
SUBSEQUENT LOGINS
1. Near the top right of the screen select Log In.
2. Enter your User ID and password and select Log in.
3. A security challenge question will be required if we do not recognize the device being used.
When selecting Wire, you will be required to enter a token code before entering the module.
To add a phone number, click on the Add Phone Number link. Enter the phone number and select Text, Voice, or both.
You can select which default number will display first on the Verification Method page each time a transaction is
challenged.
Users are limited to four phone numbers. To delete a phone number, click the Delete icon.
NOTE: The bank uses a layered security technique, Verification Method, that uses out-of-band phone or text messages
to verify high-risk transactions. When a user creates a Wire Beneficiary or Wire transaction, Verification Method
challenges the user to confirm the transaction by requesting a verification code to be delivered via voice message or text
message. Once the user receives the message with the verification code, he or she must enter the code to continue with
the transaction.
The links to four modules are displayed just below the top ribbon (if you are entitled to them):
• TRANSFERS
• ACH
• STOP PAYMENT
• WIRES
Click WIRES. When selecting Wire, you will be required to enter a token code before entering the module.
This screen can be used as a quick reference to check on the status of wire transfers for any date range. Each table
displays the transfer date; transfer type; the account from which the funds are to be drawn; the account to which the
money is being transferred; the beneficiary; transfer status; and transfer amount.
Click the Sort icon to the right of any table column heading to sort the table by that column.
To view wire transfers within a specified date range, click the Calendar icons and choose dates from the calendar
pop-up. Then, choose either My Wires or Business Wires and select the wire type. Click REFRESH VIEW to display the
summary.
Optionally, enter account search criteria in the Account Filter. Search criteria examples include account
number, nickname, account type, routing number, etc.
a. Click SEARCH. The page refreshes and the Debit menu is repopulated with the accounts that best
match your search criteria.
b. Select an account.
4. Enter the transfer Amount. Do not enter a currency symbol. If you enter more than two decimal places, the
value will be rounded to two decimal places.
5. In the Value Date field, enter the processing date, either by using the format mm/dd/yyyy, or by using the
Calendar icon to select a date. If the date falls on a day when processing would not normally occur (for
example, on a Sunday), the date is changed to the next available processing date.
6. If this is a Repeating transfer, indicate the number of repeats:
a. Select Unlimited to continue the transfer indefinitely, or
b. Select # of Payments, and in the associated field, enter the number of recurring payments you want to
make.
NOTE: If the Bank Lookup fails, click SEARCH AGAIN to return to the search page. Retry the
search or enter the information manually and click MANUAL ENTRY.
9. If transfers to the beneficiary bank are routed through an intermediary bank, click ADD INTERMEDIARY
BANK. For the Intermediary Bank Info, you can perform a Bank Lookup:
a. Above the Bank Name field, click SEARCH.
b. In the Bank Lookup dialog box, enter your search criteria and click SEARCH.
c. From the Bank Lookup Results page, select the appropriate bank name and click INSERT BANKINFO.
NOTE: If the Bank Lookup fails, click SEARCH AGAIN to return to the search page. Retry the search or
enter the information manually and click MANUAL ENTRY.
d. Enter the Correspondent Bank Account Number for the beneficiary bank's account at the last
intermediary bank added. For transfers with multiple intermediary banks, also enter the
Correspondent Bank Account Number for the last-added intermediary bank's account at the
previous intermediary bank.
The FED Wire Transfer Confirm screen appears. If data is missing or incorrect, an error message will be displayed.
If all information is correct, click CONFIRM/SUBMIT WIRE. You also have the option to SAVE AS TEMPLATE.
Users who are set up for a telephone or text verification method: Verify the contents on the screen and select a
phone number, then click SEND CODE. Once you receive the verification code, enter the code (including the dash)
in the Submit Code field. Click SUBMIT CODE to complete the transaction.
In the Beneficiary column, click the link to the wire you want to edit.
NOTE: You cannot edit fields under Beneficiary Info and Beneficiary Bank Info when editing wire transfer
templates.
1. To begin creating a template, click on TEMPLATES and click the NEW TEMPLATE button.
2. Click on NEW WIRE.
3. Select FED Wire as the wire type.
Optionally, enter account search criteria in the Account Filter. Search criteria examples include account
number, nickname, and routing number.
Click SEARCH. The page refreshes and the Debit menu is repopulated with the accounts that best
match your search criteria.
Select an account.
NOTE: If the Bank Lookup fails, click SEARCH AGAIN to return to the search page. Retry the search or enter the
information manually and click MANUAL ENTRY.
NOTE: If the Bank Lookup fails, click SEARCH AGAIN to return to the search page. Retry the search or enter the
information manually and click MANUAL ENTRY.
Enter the Correspondent Bank Account Number for the beneficiary bank’s account at the last
added intermediary bank. For transfers with multiple intermediary banks, also enter the
Correspondent Bank Account Number for the last added intermediary bank’s account at the
previous intermediary bank.
13. Optionally, enter details in the Originator to Beneficiary Information and Bank to Bank Information fields.
14. Click SAVE TEMPLATE.
Templates tab
After you click SAVE TEMPLATE, the following FED Wire Transfer Template Confirm screen will appear.
Click SAVE TEMPLATE at the bottom of the screen.
After you click SAVE TEMPLATE, the Auto-Entitle Confirmation screen will appear with a message notifying you that
“Your FED wire template has been saved” and a Tracking ID and Application ID have been assigned. Click DONE.
In the Template Name column, click the link to the template you want to edit.
The new beneficiary now appears on the Wire Beneficiaries Submitted for Approval or Rejected island in the
Beneficiary tab:
NOTE: Dual approval is required on all wires unless the customer has signed a Dual Approval Opt-Out Agreement. When
one person initiates a wire, another person is required to approve and release it.
To create a New FED Wire Transfer Batch, select each wire for the batch from the Template Name dropdown menu on
the left.
Then insert the amount of the wire on the right side, under Amount.
Once you have added all wires for the batch, click SUBMIT WIRE BATCH.
NOTE: You cannot edit fields under Beneficiary Info and Beneficiary Bank Info when editing wire transfers.
Optionally, enter account search criteria in the Account Filter. Search criteria examples include account
number, nickname, account type, and routing number.
Click SEARCH. The page refreshes and the Debit menu is repopulated with the accounts that best
match your search criteria.
Select an account.
4. Enter the transfer Amount. Do not enter a currency symbol. If you enter more than two decimal places, the
value will be rounded to two decimal places.
5. In the Value Date field, enter the processing date, either by using the format mm/dd/yyyy, or by using the
Calendar icon to select a date. If the date falls on a day when processing would not normally occur (for
example, on a Sunday), the date is changed to the next available processing date.
6. If this is a Repeating transfer, indicate the number of repeats:
Select Unlimited to continue the transfer indefinitely, or
Select # of Payments, and in the associated field, enter the number of recurring payments you want to
make.
If the user is set up for a telephone or text verification method, verify the contents on the screen and select a phone
number; then, click SEND CODE. Once you receive the verification code, enter the code (including the dash) in the
Submit Code field and click SUBMIT CODE to complete the transaction.
NOTE: When editing book wire transfer templates, you cannot edit fields under Beneficiary Info and Beneficiary Bank
Info.
1. To begin creating a book wire transfer template, click on TEMPLATES and click the NEW TEMPLATE button.
2. Click on NEW WIRE.
3. Select Book as the wire type.
4. Enter a Template Name.
5. Enter a Template Nickname (optional) to distinguish this template from others.
6. Select the Template Category. The category determines which fields you can edit when loading the template to
create a new wire:
• Free-form- All
• Repetitive- Amount, Value Date, and Settlement Date
• Semi-repetitive- Amount, Value Date, Settlement Date, Originator To Beneficiary Information, Bank
To Bank Information, and By Order Of Information
7. From the Template Scope list, select the scope for the template: Business (General Use).
8. Under Debit Information, select an account from the Debit Account list. This is the account the funds are
transferred from.
Optionally, enter account search criteria in the Account Filter. Search criteria examples include
account number, nickname, account type, and routing number.
Click SEARCH. The page refreshes and the Debit menu is repopulated with the accounts
that best match your search criteria.
Select an account.
NOTE: Click CANCEL to return to the Wire Transfer Templates page without saving the transfer
or saving your edits.
14. Click SAVE TEMPLATE.
After you click SAVE the Auto-Entitle Confirmation screen will appear with a message notifying you that “Your Book
wire template has been saved” and a Tracking ID and Application ID have been assigned. Click DONE.
NOTE: You cannot edit fields under Debit Bank Information when editing drawdown wire transfers.
6. Select an account from the Credit Account list, and all required Beneficiary Info and Beneficiary Bank Info will
auto-populate.
Optionally, enter account search criteria in the Account Filter. Search criteria examples include account
number, nickname, account type, and routing number.
Click SEARCH. The page refreshes and the Credit menu is repopulated with the accounts that best
match your search criteria.
Select an account.
7. Indicate the debit account for the wire transfer:
If debit accounts already exist: Select a debit account from the list to fill in all required Debit Account
Info and Debit Bank Info fields.
Or, create a new debit account by filling in the required Debit Account Info fields.
NOTE: If the Bank Lookup fails, click SEARCH AGAIN to return to the search page. Retry the search or enter the
information manually and click MANUAL ENTRY.
9. Optionally, enter details in the Originator to Beneficiary Information and Bank to Bank Information fields.
10. Click SUBMIT WIRE.
NOTE: If the user is set up for a telephone or text verification method, verify the contents on the screen and select a
phone number, then click SEND CODE. Once you receive the verification code, enter the code (including the dash) in the
Submit Code field. Click SUBMIT CODE to complete the transaction.
1. To begin creating a book wire transfer template, click on TEMPLATES and click the NEW TEMPLATE button.
2. Click on NEW WIRE.
3. Select Drawdown as the wire type.
4. Enter a Template Name.
5. Enter a Template Nickname (optional) to distinguish this template from others.
6. Select the Template Category. The category determines which fields you can edit when loading the template to
create a new wire:
Free-form- All
Repetitive- Amount, Value Date, and Settlement Date
Semi-repetitive- Amount, Value Date, Settlement Date, Originator To Beneficiary Information, and
Bank To Bank Information
7. From the Template Scope list, select the scope for the template: Business (General Use).
8. Set the Template Limit, as applicable.
9. If this is a Repeating transfer, indicate the number of repeats:
Select Unlimited to continue the transfer indefinitely, or
Select # of Payments, and in the associated field, enter the number of recurring payments you want to
make.
Optionally, enter account search criteria in the Account Filter. Search criteria examples include account
number, nickname, account type, and routing number.
Click SEARCH. The page refreshes and the Credit menu is repopulated with the accounts that best
match your search criteria.
Select an account.
NOTE: If the Bank Lookup fails, click SEARCH AGAIN to return to the search page. Retry the search or enter
the information manually and click MANUAL ENTRY.
After you click SAVE, the Auto-Entitle Confirmation screen will appear with a message notifying you that “Your
Drawdown wire template has been saved” and a Tracking ID and Application ID have been assigned. Click DONE.
When creating a single Tax wire transfer, provide information for all required fields (indicated by asterisks).
NOTE: You cannot edit fields under Beneficiary Info and Beneficiary Bank Info when editing Tax wire transfers. In the
case of Tax wires, Beneficiary Bank Info is auto-filled with IRS information.
1. To begin creating a Tax wire transfer, click on NEW WIRE.
2. Select Tax as the wire type.
3. Under Debit Information, select an account from the Debit Account list. This is the account the funds are
transferred from.
Optionally, enter account search criteria in the Account Filter. Search criteria examples include account
number, nickname, account type, and routing number.
o Click SEARCH. The page refreshes and the Debit menu is repopulated with the accounts that
best match your search criteria.
o Select an account.
4. Enter the transfer Amount. Do not enter a currency symbol. If you enter more than two decimal places, the
value will be rounded to two decimal places.
5. In the Value Date field, enter the processing date, either by using the format mm/dd/yyyy, or by using the
Calendar icon to select a date. If the date falls on a day when processing would not normally occur (for
example, on a Sunday), the date is changed to the next available processing date.
If the user is set up for a telephone or text verification method, verify the contents on the screen and select a phone
number; then, click SEND CODE. Once you receive the Verification Code, enter the code (including the dash) in the
Submit Code field and click SUBMIT CODE to complete the transaction.
NOTE: The system will put you in the New Wire tab to create your template. In the case of Tax wires, Beneficiary Bank
Info is auto-filled with IRS information.
1. To begin creating a template, click on TEMPLATES and click the NEW TEMPLATE button.
2. Click on NEW WIRE.
3. Select Tax as the wire type.
4. Enter a Template Name.
5. Enter a Template Nickname (optional) to distinguish this template from others.
6. Select the Template Category. The category determines which fields you can edit when loading the template to
create a new wire:
Free-form – All
Repetitive – Amount, Value Date, and Settlement Date
Semi-repetitive – Amount, Value Date, Settlement Date, Reference for Beneficiary comment,
Originator to Beneficiary Information, and By Order of Information
7. From the Template Scope list, select the scope for the template: Business (General Use).
8. Under Debit Information, select an account from the Debit Account list. This is the account funds are
transferred from.
Optionally, enter account search criteria in the Account Filter. Search criteria examples include account
number, nickname, and routing number.
Click SEARCH. The page refreshes and the Debit menu is repopulated with the accounts that best
match your search criteria.
Select an account.
9. Set the Template Limit, as applicable.
11. Complete the required Beneficiary Info fields (Beneficiary Bank Info fields will auto-populate):
Taxpayer Identification Number- Enter nine-digit Tax ID Number
Taxpayer Name Control- Enter the first four letters of your Business Name as it appears on your Tax
ID
Taxpayer Name- Enter your full Business Name as it appears on your Tax ID
Tax Type Code- Enter the five-digit Tax Type Code
Tax Month (MM)- Enter two digits indicating the month for which you are paying (for example, June
would be 06)
Tax Year (YY)- Enter the last two digits of the year you are paying (for example, 2022 would be 22)
The information needed to execute an International Wire Transfer evolves constantly based on the requirements of
different countries. To improve the wires’ release time and to minimize foreign banks’ requests for additional
information, the Business Banking Online Wire module will prompt users for these pieces of information for
International wires when the beneficiary’s country requires them:
BEST PRACTICES
Review all International Wire templates to see if country requirements are present
Have this type of information available when initiating a wire request
Request needed information directly from the intended wire beneficiary
Confirm beneficiary instructions through a method other than the one where it was received
Be especially wary of instructions received through electronic channels like email or text. Verify the instructions by a
different method with the party giving the instructions. Email security compromise has been the subject of several
government warnings.
Countries and banks can change their requirements without notice. A beneficiary’s bank may also request information
from us after they receive the funds, and they may hold the funds until their required information is provided.
NOTE: Search will work for EITHER the SWIFT BIC or Bank Name. It will not work with information in both fields.
6. Intermediary Bank is NOT required for an International Wire. The appropriate Intermediary Bank will be chosen
for you.
NOTE: Changes needed for the Beneficiary are made under the Beneficiary Tab
Note: From the Payment Currency list, select the currency the beneficiary should receive.
For currency other than USD, see the Foreign Exchange Rates section.
Note: Changes needed for the Beneficiary are made under the Beneficiary Tab
17. Country Specific Help located in the Beneficiary Info section will provide requirements based on country
destination of funds.
18. Under Beneficiary Bank Info, National may become routing/sort code and be required based on the chosen
Beneficiary Bank Country. This information should be obtained from the beneficiary. (See Country Specific Help
for additional information.)
19. Intermediary Bank populates from previously created Beneficiary
20. Originator to Beneficiary section will display country requirements based on the chosen Beneficiary Bank
Country from the previously created Beneficiary.
Field labels (Line 1, Line 2, etc.) will change to reflect requirements. This information should be obtained from
the beneficiary. If it is determined the information is not applicable to the wire, N/A or any form of that will be
accepted. (See Country Specific Help for additional information.)
The International Wire Transfer Confirm screen appears. If data is missing or incorrect, an error message will be
displayed. If all information is correct, click CONFIRM/SUBMIT WIRE. Users also have the option to Save as Template.
If the user is set up for a telephone or text verification method, verify the contents on the screen and select a phone
number; then, click SEND CODE. Once you receive the Verification Code, enter the code (including the dash) in the
Submit Code field and click SUBMIT CODE to complete the transaction.
After you click CONFIRM/SUBMIT WIRE the International Wire Transfer Confirm screen will appear with a message
notifying you that a Tracking ID and Application ID have been assigned.
When you initiate a wire transfer in a foreign currency, you are purchasing currency. After purchasing the currency,
your wire might not be completed and delivered to the beneficiary. Examples of events that would cause the wire to be
canceled:
Incorrect currency purchased
Incorrect amount requested
Insufficient U.S. Dollars in the debit account you specify
Insufficient approval limits for wire initiation and/or verification
Incomplete wire instructions
When a wire is canceled or not delivered to the beneficiary, the foreign currency is sold by you at the prevailing
exchange rate. Because exchange rates change from one minute to the next, and because there is a difference in
purchase and sell rates, it is possible the rate at which you sell the currency is less than the rate at which you purchased
the currency. Such a difference can create a financial loss.
Rate Request
1. Select the account number from the Debit Account dropdown list or, if you know the account number, enter it
in the Account Filter and click SEARCH.
2. Enter the Amount of the wire. The Processing Date will automatically populate to today’s date. A future
processing date is not allowed when purchasing foreign currency.
3. Payment Currency: Use the dropdown menu to select the foreign currency to purchase.
4. Value Date: Use the dropdown menu to select the value date for the exchange request.
Cash – Wires to beneficiaries in Canada and Mexico may be paid same day if instructions are
released prior to 11:30 am CT.
Tomorrow – The beneficiary is paid the next business day
Spot – The beneficiary is paid in two business days
NOTE: This setting does not affect the rate; it is informational rather than a controlling item. This field is
required if the currency is in EUR. Otherwise, it is optional.
7. Click the REQUEST RATE button to request an exchange rate.
NOTE: The exchange rate information provided will expire and disappear if neither option is selected.
NOTE: The exchange rate information quoted is valid for a limited time only. A countdown clock will appear and your
acceptance must be received before the clock expires, or the quoted rate will not be secured.
Ensure the payment details are complete; then click SUBMIT WIRE.
MANAGING USERS
Click ADMIN in the top menu row in the blue ribbon area.
The Manage Users screen lists all users defined for your company. Users are the individual company employees
authorized to use online banking. By default, users inherit permissions from the group they belong to, but you can
apply additional restrictions to users as necessary.
Optionally, select a Primary Admin the new user can contact directly using the Contact My Admin feature on
the Home page.
NOTE: Click CANCEL to return to the Manage Users page without adding the new user, or click RESET to reset
all fields.
10. Optionally, to make the new user an administrator, check the Administrator box.
11. To add the new user, click Save.
12. At the Auto-Entitle Confirmation prompt, you will be asked if you wish to make all features immediately
available to the new profile. Click either Yes or No.
13. Click Save.
14. Confirm user add by selecting Done, Permissions Wizard, or Clone Permissions.
NOTE: Click CANCEL to return to the Manage Users page without adding the entitlement profile or click BACK to
return to the Add Entitlement Profile page.
To assign a user to an approval group – click Approval Group to manage the user's approval groups.
To edit users – click the Edit icon for the user you want to edit.
NOTE: Administrators cannot allocate wire authority that exceeds their personal authorization.
NOTE: Transactions exceeding bank limits are rejected if no workflow levels are defined for them.
NOTE: When editing an approval workflow level, you can perform any of the following actions.
1. In the Transaction Value Range fields, enter the minimum and maximum transaction amounts for the level.
2. Add users or groups to the approval chain:
NOTE: Users and groups that are not entitled to perform approvals at each step of the approval workflow do
not appear in the Users, Groups, and Approval Groups lists. You can set the appropriate permissions for a user,
group, or approval group by accessing the Admin module from the main banking toolbar. See Step 3 to access a
list of required permissions for the approval workflow.
From the User list, select a user and click ADD to move that user to the Current Approval Chain list.
From the Group list, select a group and click ADD to move that group to the Current Approval Chain
list. Specify whether to enable cascading for the selected group.
NOTE: Cascading ensures that users who have appropriate entitlements within the group's descendant
hierarchy can perform approvals. Groups that are marked with a "(cascading)" indicator do not have
direct approval eligibility but fulfill all entitlement requirements throughout their descendant hierarchy
and are eligible for approval in cascading mode.
From the Approval Group list, select an approval group and click ADD to move that group to the
Current Approval Chain list.
NOTE: To remove a user or group from the Current Approval Chain list, select a user or group and click
REMOVE. To remove all users and groups in the Current Approval Chain list, click REMOVE ALL.
3. For certain activity types, a View Permissions icon displays. To view permissions for a particular user or group,
select the user or group and click VIEW PERMISSIONS. When finished viewing, close the window.
4. To reorder the Current Approval Chain list, select a user or group, and use the MOVE UP and MOVE DOWN
buttons to move the user or group up or down in the approval chain.
NOTE: Click CANCEL to return to the previous page without saving your changes.
5. Click SAVE.
Approval groups can contain users from any division or group in the business, and users can be assigned to more than
one approval group.
In the Group Name field, enter a unique name for the group and click SAVE. On the confirmation page, click DONE.
NOTE: Click CANCEL to return to the Manage Approval Groups page without adding the approval group, or click
RESET to clear the field if you want to re-enter the name.
If necessary, edit the name of the approval group. Click SAVE, and on the confirmation page, click DONE.
NOTE: Click CANCEL to return to the Manage Approval Groups without saving your changes, or click RESET to reset the
group name to its previous name.
If no approval groups are defined for your company, you can add approval groups under Admin > Approval Groups.
To assign a user to approval groups, select the appropriate groups, click Save, and on the confirmation page, click
Done.
NOTE: Click CANCEL to return to the Manage Users page, or click RESET to reset your selections.
APPROVING TRANSACTIONS
The Pending Approvals page lists all the transactions (bill payments, account transfers, ACH batch payments, etc.)
pending approval. Review each transaction and indicate whether you want to hold it for further review, accept it (and
pay it if you are last in the approval chain), or reject it.
To view a transaction pending approval, click the VIEW icon for the transaction. Review the read-only information and
click DONE to return to the Pending Approvals page. Follow these steps to make decisions on pending transactions.
1. Select one of the following:
Hold – the payment status does not change and the transaction is held for review at a later date, or by
another person if the transaction is awaiting approval from a group. After submitting a wire for hold
and saving on the Verify Pending Approvals Actions page, the wire transaction moves to Pending
Approvals.
NOTE: If the wire is already listed under Pending Approvals, it will remain there.
Approved – if you are the final approver in the approval chain, the transaction status changes to
pending and you must confirm approval of the transaction. Additionally, after you select Approved, a
text box will prompt you to provide a reason for approving the transaction. Reasons are not required.
NOTE: Examples of rejection reasons include dollar amount incorrect and beneficiary account incorrect.
Or, from the Approvals Action list, select an action and click APPLY TO ALL to apply the action to all
transactions awaiting approval.
2. Click SUBMIT.
NOTE: Click CANCEL to return to the Pending Approvals page to change your selections.
NOTE: If the wire is already listed under Pending Approvals, it will remain there.
Approved – After saving, the wire transaction is processed and you are redirected to the Pending
Approvals page.
Rejected – After saving, the wire transaction moves to the Wire Summary page under Transfers
Submitted for Approval or Rejected.
1. From the Group list, select a specific group, or select All Groups. If you select All Groups in the Group, the User
list displays users across all groups.
2. From the User list, select a specific user, or select All Users.
3. Enter a date range, either by using the format mm/dd/yyyy, or by using the Calendar icons to select the dates.
You can also select predetermined time periods from the Date list. To report in a 24-hour format, enter a start
and end time.
4. From the Format list, select a file format for the report.
5. For PDF reports, use the Orientation list to select the page orientation for the report.
6. From the Delivery Method list, select a delivery method for the report. Selecting Export enables you to open or
save the report after generating it.
7. Optionally, define the content of the report's header and footer:
Click Set Report Header/Footer to open the Set Header/Footer window.
In the Show Header Information section, select or clear checkbox options as necessary and define
report title in the field provided.
In the Show Footer Information section, select the Extra Footer Line checkbox and enter text for the
footer, or clear the checkbox.
Click Save to commit your settings and close the Set Header/Footer window.
On the Permissions screen, click the PAYMENTS & TRANSFERS link under Feature Access and Limits (cross-account):
NOTE: To change the permissions of a user at the account level, choose Payments and Transfers under Feature Access
and Limits (per account). To change permissions of a user at the business level, or for all accounts, choose Payments
and Transfers under Feature Access and Limits (cross-account).
NOTE: Some wire permissions, such as Wire Template Delete, do not have dollar or transaction limits.
If a user will be able to create a wire greater than his or her limit but not approve, check the Exceed Limit W/
Approval box (to the right of the dollar limit/per field).
NOTE: If a permission is selected and no dollar and transaction limits are entered, the user will have unlimited access to
that permission.