payments & transfers – online banking Send a domestic wire transfer

Wire transfers1 are a quick way to send money domestically or internationally. While you can do both in Mobile Banking2 and Online Banking, this guided demo will focus on wire transfers sent to domestic recipients in Online Banking.

For more information, visit our Wire Transfers page.

Screens simulated for illustrative purposes only. Actual experience may differ.

Step 1

Log in to Online Banking.

Before you get started, first gather the recipient's information:

  • Recipient name and address
  • Wire routing number
  • Bank account number
  • Account type
  • If you're not enrolled in Secured Transfer, you'll also need your debit card number and PIN.
Screenshot of Bank of America home page with log-in window highlighted.

Step 2

Select Pay & Transfer to get started.

Screenshot of Bank of America Online Banking screen with Pay and Transfer option in the navigation highlighted.

Step 3

Select Wire/ACH.

Screenshot of Bank of America Online Banking, Pay and Transfer screen, with Wire or ACH option highlighted.

Step 4

If this is your first time using this service, read and accept the Service Agreement to enroll.

Screenshot of Bank of America Online Banking, Service Agreement screen, with checkbox to agree with terms highlighted.

Step 5

To send money to someone new, select Add Account/Recipient. If you're sending to an existing recipient, proceed to step 14

Helpful tip! To learn more about sending a wire transfer and what you'll need, visit our Wire Transfers page.

Screenshot of Bank of America Online Banking, Wire transfer screen, with "Add account or recipient" highlighted.

Step 6

Select Domestic (U.S.) and choose the type of account you're adding.

Note: Domestic includes U.S. territories. Reminder, this demonstration focuses on Domestic Wire Transfers. For International Wire Transfers, navigate here.

Screenshot of Bank of America Online Banking, "Add account or recipient" screen, with Domestic transfer highlighted.

Step 7

Add recipient’s information, including their address as on file with their bank.

To choose state, select from the drop-down.

Screenshot of Bank of America Online Banking, "Add account or recipient" screen, with recipient name highlighted.

Step 8

Add recipient’s wire routing number (also known as Wire ABA number), account number and account type. You can include notes for your records.

Check the box to Verify your identity before adding your recipient.

Screenshot of Bank of America Online Banking, "Add account or recipient" screen, with the "Verify your identity" checkbox highlighted.

Step 9

If you haven't already, you may be required to enroll in Secured Transfer to send your wire. To get started, add your U.S. mobile number and click Add Number.

Note: If you're already enrolled in Secured Transfer, you'll be prompted to request and enter an Authorization Code to add your recipient. Proceed to step 11.

Screenshot of Bank of America Online Banking, Secured Transfer enrollment screen, with Add Number button highlighted.

Step 10

You will receive a text message with an Authorization Code to complete enrollment. Enter your Authorization Code, then add your ATM/Debit card details. Click Submit to complete the enrollment.

Security Tip! Never share this code with anyone — we'll never call or text you asking for a code.

Screenshot of Bank of America Online Banking, Authorization Code screen, with Submit button highlighted.

Step 11

Select Add Account and wait for the information to be verified.

Screenshot of Bank of America Online Banking, "Add account or recipient" screen, with Add Account button highlighted.

Step 12

Please wait. If you close this window prematurely, your recipient may not be added.

Screenshot of Bank of America Online Banking, Processing screen, with "Please wait" highlighted.

Step 13

Once you see this screen, you've successfully added a new recipient. Select the Make Transfer tab to send a new transfer.

Screenshot of Bank of America Online Banking, "Add account" confirmation screen, with Make Transfer tab highlighted.

Step 14

On the Make Transfer tab, select your "From" account for the transfer and then your "To" recipient. If prompted to select delivery speed, select Same business day, Wire Transfer.

Screenshot of Bank of America Online Banking, "Make Transfer" tab, with "From account" highlighted.

Step 15

Enter the Amount you want to send and select the Frequency and date for the transaction to occur. You can add an optional Description if desired (click "What’s this for?" for more details). Click Continue Transfer

Note: You may be prompted to request an Authorization Code when your transfer exceeds a certain amount.

Screenshot of Bank of America Online Banking, "Make Transfer" tab, with Continue button highlighted.

Step 16

Review the important scam reminder then click Continue Transfer.

Helpful tip! Always read warning messages. If you’re told to ignore them, it could be a scammer trying to steal your money.

Screenshot of Bank of America Online Banking, "Scam reminder" tab, with "Continue Transfer" button highlighted.

Step 17

Confirm that all information is correct and select Make Transfer.

Screenshot of Bank of America Online Banking, "Make Transfer" tab with confirmation details, with "Make transfer" button highlighted.

Step 18

Please wait. If you close this window prematurely, your transfer may not be completed.

Screenshot of Bank of America Online Banking, Processing screen, with "Please wait" highlighted.

Step 19

Once you see Your transfer is pending at the top of this screen, your transaction has been submitted, and you'll receive an email confirmation. Click the Transfer Activity tab to check the status and details of your transfer.

Screenshot of Bank of America Online Banking, "Make Transfer" tab with "transfer pending" message, with Transfer activity tab highlighted.

Step 20

To view status, details or to edit or cancel a future-dated transfer, click on the Pay & Transfer tab at the top of the screen and scroll to Activity.

Screenshot of Bank of America Online Banking, Pay and Transfer screen, with transfer activity highlighted.

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