How long do wire transfers take in between us banks nowadays?

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  • Masterchief
    Confirmed User
    • Jun 2006
    • 530

    #1

    How long do wire transfers take in between us banks nowadays?

    Just wondering...it's been about 4 years since i did a wire transfer between US banks and it took 3 business days to arrive. Is it still a painfully slow process?
  • HighRoller
    Confirmed User
    • Feb 2003
    • 1037

    #2
    I have it happen sometimes same day if it's done early enough in the day
    most I do are in the same state.
    I suppose if it's out of state it can take a day.

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    • Hansm
      Confirmed User
      • Jun 2002
      • 871

      #3
      OMG, 3 Days?

      Lucky i lived in the netherlands. only 1 day. and if we use the option for direct, then it takes 10 minutes.

      From US to Netherlands takes only 2 days.

      Comment

      • After Shock Media
        It's coming look busy
        • Mar 2001
        • 35299

        #4
        Same as always up to 3 or so business days to post and clear.*
        Typically does not matter if it is across the street or from California to England.
        Although same bank seems to speed up the process a little bit.


        *Time can be adjusted by when they sent it. If it was sent before 3pm it will travel faster instead if after it can wait until midnight or next day all together.
        Last edited by After Shock Media; 10-14-2007, 06:45 PM.

        [email protected] ICQ:135982156 AIM: Aftershockmed1a MSN: [email protected]

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        • GT-Omar
          DM at Performive.com
          • Aug 2006
          • 2968

          #5
          I've had some that have taken a day (inside the US) I've also have had some that have taken a week (from Europe) normally between 2-3 days


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          • Sly
            Let's do some business!
            • Sep 2004
            • 31379

            #6
            I received one last week, same day. I was surprised, I always thought it took longer.
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            • Pornwolf
              Drunk and Unruly
              • Jan 2002
              • 22712

              #7
              It should take minutes. What the fuck!? Is this 1985 still?

              There's no reason I should be able to paypal someone faster than I can wire them.
              I've trusted my sites to them for over a decade...

              Webair, bitches.

              Comment

              • DateDoc
                Outside looking in.
                • Feb 2005
                • 14243

                #8
                Originally posted by Pornwolf
                It should take minutes. What the fuck!? Is this 1985 still?

                There's no reason I should be able to paypal someone faster than I can wire them.
                It can happen instantaneously but if the bank can slow it up a bit and make a little more money of your money they will.

                Comment

                • ztik
                  Confirmed User
                  • Aug 2001
                  • 5196

                  #9
                  3 days? 1 day? WTF

                  A wire takes no more then 1 minute to be completed and received

                  If it takes 3 days then they are doing it by hand, and are being lazy as fuck or are farmers/retards.
                  .

                  Comment

                  • ztik
                    Confirmed User
                    • Aug 2001
                    • 5196

                    #10
                    Originally posted by BusterPorn
                    It can happen instantaneously but if the bank can slow it up a bit and make a little more money of your money they will.
                    Ah yeah

                    This is true too. I would switch banks if they played with my money like that.
                    .

                    Comment

                    • Pornwolf
                      Drunk and Unruly
                      • Jan 2002
                      • 22712

                      #11
                      Originally posted by ztik
                      Ah yeah

                      This is true too. I would switch banks if they played with my money like that.
                      Name one major bank that does instant out of state wires and I'll switch today.
                      I've trusted my sites to them for over a decade...

                      Webair, bitches.

                      Comment

                      • After Shock Media
                        It's coming look busy
                        • Mar 2001
                        • 35299

                        #12
                        Originally posted by Pornwolf
                        Name one major bank that does instant out of state wires and I'll switch today.
                        Same bank to same bank and it becomes common.
                        I ussually get a state to state from 12 hours to next day, like I said if they send before 3pm I may get it that same day.

                        [email protected] ICQ:135982156 AIM: Aftershockmed1a MSN: [email protected]

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                        • fuzebox
                          making it rain
                          • Oct 2003
                          • 22363

                          #13
                          I've received wires instantly from the USA to Canada before, and get upset if a wire within the USA isn't same day. Am I just lucky?

                          Comment

                          • Pornwolf
                            Drunk and Unruly
                            • Jan 2002
                            • 22712

                            #14
                            Of course same bank to same is fast.

                            fuzebox, you are just lucky. I've never seen that happen.
                            I've trusted my sites to them for over a decade...

                            Webair, bitches.

                            Comment

                            • Sly
                              Let's do some business!
                              • Sep 2004
                              • 31379

                              #15
                              Originally posted by Pornwolf
                              Name one major bank that does instant out of state wires and I'll switch today.

                              The one I got last week was out of state. I have no idea how it all works, but I sure wish they were all that fast. Another monthly wire that I get takes about three days.
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                              • GreyWolf
                                So Fucking Banned
                                • Jun 2007
                                • 2036

                                #16
                                Still seems to average around three days - assuming all the details are correct. Don't have a lot of faith in wire delivery times and just leave em to do whatever and don't usually have problems.

                                The worst example took 14 weeks - the damned wired "disappeared" at the intermediary bank in NY and nobody had a clue or *any* tracking docs - unbelievable. But the funds ended up back at the initiating bank - eventually.

                                Comment

                                • spunkmaster
                                  Confirmed User
                                  • Jan 2004
                                  • 2052

                                  #17
                                  A wire from a US Bank to a US Bank takes 3 seconds if done before 4:30 PM Eastern Time.

                                  An ACH from a US Bank to a US Bank has to go through the federal reserve
                                  which batches ACH transaction about 4 AM Eastern Time so they take 24 hours normally.

                                  Any added time you see is Bank delays sending or posting the money !

                                  Comment

                                  • Pornwolf
                                    Drunk and Unruly
                                    • Jan 2002
                                    • 22712

                                    #18
                                    Originally posted by spunkmaster
                                    A wire from a US Bank to a US Bank takes 3 seconds if done before 4:30 PM Eastern Time.

                                    An ACH from a US Bank to a US Bank has to go through the federal reserve
                                    which batches ACH transaction about 4 AM Eastern Time so they take 24 hours normally.

                                    Any added time you see is Bank delays sending or posting the money !

                                    Exactly, so I say again, name a bank that does instant wires.


                                    Anyone, anyone... Bueller?!!

                                    I've trusted my sites to them for over a decade...

                                    Webair, bitches.

                                    Comment

                                    • BOSS1
                                      Confirmed User
                                      • Sep 2005
                                      • 4331

                                      #19
                                      last one i got took 15 minutes

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                                      • peterk
                                        Confirmed User
                                        • Aug 2007
                                        • 3529

                                        #20
                                        1 up to three days from what I know
                                        Bogat mama ala cu loturi de trafic

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                                        • WiredGuy
                                          Pounding Googlebot
                                          • Aug 2002
                                          • 34515

                                          #21
                                          Originally posted by Pornwolf
                                          It should take minutes. What the fuck!? Is this 1985 still?
                                          Exactly, most of my wires are done within a few hours at most, if it takes more than a business day there's something wrong.
                                          WG
                                          I play with Google.

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                                          • Masterchief
                                            Confirmed User
                                            • Jun 2006
                                            • 530

                                            #22
                                            Thanks for the replies

                                            Comment

                                            • ShellyCrash
                                              Confirmed User
                                              • Jun 2004
                                              • 6708

                                              #23
                                              Wire is usually 24 hrs, but an ACH transfer usually takes 3 days.

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