Wire Transfers
Fifth Third’s wire transfer solution facilitates the movement of funds via a real-time payment mechanism that settles transactions through the Federal Reserve, CHIPS and SWIFT networks.
Wire transfers can be facilitated for domestic, US dollar, international and foreign currency payments. Wire transfers are final irrevocable payments settled individually and continuously throughout the day, providing wire recipients with immediate access to funds.
Online wire origination will transition to Fifth Third Direct, our commercial online banking platform. There are some other changes to processes and deadlines for initiating wires that you need to be aware of following the September 8, 2026 transition to Fifth Third as outlined below.
Important note: On Friday, September 4, 2026, wires sent after 6:15 p.m. ET, will not be processed due to transition weekend activities. Please ensure that you initiate and approve all time-sensitive wires prior to this time.
Wire origination channels
- Online: Online wire origination is available through Fifth Third Direct.
- Phone: If you currently use a PIN to initiate commercial wires by phone, you will continue to use this process. A new PIN and related instructions were sent via email. Review these emails for information on changes to the Security Procedures and Service Terms. The Fifth Third Master Treasury Management Agreement will govern use of PIN wires, effective September 8, 2026.
- Branches: Wires will no longer be available in branches for commercial clients.
Wire advices
- Email wire advices will continue to be sent with no changes to the current process.
- Mailed wire advices will continue under the current process. Contact your relationship team if you want to discontinue this service.
Book wire deadline
- The new deadline for book wires will be 6:15 p.m. ET (rather than 8:00 p.m. ET). If you initiate book wires after 6:15 p.m. ET, you will need to review and update operational processes to align with the earlier cutoff time.
Required information
- Beneficiary Town/City and Country are required for all originated wires.
- Please update your processes to ensure that these fields are included on all originated wires, if they are not included already.
Wire templates
- For clients transitioning to Fifth Third Direct, active wire transfer templates will be migrated.
- Beneficiary address line 1, Town/City and Country are required in Fifth Third Direct; templates migrated from Comerica that do not include these fields will prompt you to complete them prior to first use.
Foreign exchange (FX) wires
- Foreign exchange wires will be supported in Fifth Third Direct for transactions up to $1 million USD equivalent.
- The following FX wire features will be discontinued:
- Contract pricing
- PIN-based FX wires
- Chinese Yuan wires
- Chinese Yuan payments will be offered through Capital Markets-Market Trade
- Review your current Wire origination processes and procedures to ensure they align with the revised Fifth Third processes and cutoff times, effective September 8, 2026.
- If you originate wires online, please see Fifth Third Direct [link to FTD page] for more information.
The resources below provide additional information to support your transition.
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- Wire Transfers Quick Reference Guides [links]
- Wire Guide [Link]