|
All US banks, dealing with other US banks have pretty much the same policies. Typically wires initiated before noon are credited the same business day, while anything after noon gets credited on the next business day.
However they can hold your transaction depending on your relationship with your bank. It could be a 24 hold, a 72 hour hold, 5 business days or even 10.
However if they smack a hold on the wire for whatever reason the transaction will still appear in your account online, but you'll see some sort of hold message.
If anyone tells you any different than what I have posted here they are full of poop. There is one guy selling content on GFY that tells a wonderful story - so be careful of scammers like him.
The wire went from Bank of America in CA to his bank in Florida. The wire went out four weeks ago, confirmed by senders bank. Three weeks later he claims the bank contacted him and put a hold on a wire that was processed 3 weeks ago. LOL
No bank goes into your account weeks later and says oh we changed our mind, we decided to put a hold on the wire now instead of when it came in.
Some people are so beyond stupid, they really believe these kind of bullshit stories.
|