Trusted by Businesses Nationwide
$100B+
Transaction volume
1M+
Active businesses
99.9%
Uptime SLA
67%
Average expense reduction
When speed and certainty aren’t negotiable.
Guaranteed Delivery
Wire transfers are irrevocable. Once sent, funds will arrive. No bounced payments, no failed transactions, no wondering if payment went through.
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Same-Day Speed
Send before cutoff time; funds typically arrive same business day—often within hours. Fastest way to move money domestically.
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No Amount Limits
Handle large sums that other payment methods can’t accommodate. Real estate closings, major vendor payments, significant business transactions.
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Universal Acceptance
Every US bank accepts wire transfers. No questions about payment method compatibility or merchant accounts.
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Complete Tracking
Know the moment funds leave your account and when they arrive at destination. Full visibility from send to delivery.
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Federal Reserve network. Bank-grade security.
The Network:
Direct access to the Federal Reserve wire network—the same secure infrastructure major financial institutions use nationwide.
The Process:
Enter recipient details
Review wire fee
Confirm transfer
Wire sent through Fed network
Same-day delivery
Confirmation received
The Speed:
Wires sent before cutoff time typically deliver same business day. Funds often available to recipient within hours of sending.
The Security:
Bank-level encryption, federal compliance standards, irrevocable once sent. Institutional-grade security on every transfer.
See exactly what you pay. Every time.
Wire Transfer Fee:
Competitive per-wire fee displayed before sending. No hidden charges, no surprise deductions.
What’s Included:
Federal Reserve network access
Same-day delivery capability
Complete tracking and confirmation
Bank-level security and compliance
Guaranteed funds delivery
No Variable Costs:
Unlike international wires, domestic wires have one simple fee. What you see is what you pay.
Exact Cost:
Wire fee shown in your account before confirming each transfer. Complete transparency before you send.
Same-Day delivery when you need it.
Cutoff Time:
Send before daily cutoff for same-day delivery. Cutoff times based on Federal Reserve processing schedules.
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Typical Delivery:
Same business day, often within hours of sending. Fastest domestic payment method available.
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Weekend/Holiday Processing:
Wires sent on weekends or holidays process next business day. Federal Reserve network closed on banking holidays.
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Tracking:
Real-time status updates from initiation through delivery. Know exactly when funds arrive.
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Notification:
Immediate confirmation when recipient bank receives funds. Complete certainty on delivery.
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Critical business payments that can’t wait.
Real Estate Transactions
Closings, earnest money deposits, property purchases requiring immediate cleared funds.
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Large Vendor Payments
Significant supplier payments where timing is critical and amounts exceed ACH limits.
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Time-Sensitive Obligations
Contract deadlines, payment due dates, situations requiring absolute same-day delivery.
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High-Value Transfers
Moving large sums between accounts or to business partners where guaranteed delivery essential.
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Emergency Payments
Unexpected business needs requiring immediate fund availability at destination.
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Choosing the right payment method.
Feature
Speed
Guarantee
Cost
Amount Limits
Best For
Reversibility
Wire Transfer
Same day*
Irrevocable, guaranteed
Higher per transfer
Very high
Urgent, large, guaranteed
Cannot be reversed
ACH Transfer
1-2 business days
Can be returned
Lower per transfer
Lower limits
Regular, scheduled, lower cost
Can be returned/disputed
Use Wires When:
Speed critical, large amounts, guaranteed delivery required.
Use ACH When:
Lower cost important, 1-2 day timing acceptable, regular payments.
Many Businesses Use Both: ACH for regular payments, wires for urgent or large transfers.
Required information for wire transfers.
Recipient Information:
Full legal name
must match bank account
Bank routing number
9 digits
Account number
Recipient’s bank account number
Bank name
Full name of the receiving bank
Optional but Helpful:
Recipient phone number
Reference or purpose of payment
Any special instructions
Critical Accuracy
Incorrect details cause delays or failed transfers with fees still applying. Verify all information carefully before sending.
Save Recipients
Store recipient details for future transfers. Send repeat wires with saved information.
Bank-grade security on every wire.
Federal Reserve Network
Same secure infrastructure used by major financial institutions. Proven reliability and institutional-grade security.
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End-to-End Encryption
Transfer details encrypted from initiation through delivery. Account information protected with banking-standard protocols.
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Regulatory Compliance
Full compliance with federal wire transfer regulations and anti-money laundering standards.
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Irrevocable Guarantee
Once wire is sent, it’s guaranteed to complete. No reversal risk, absolute payment certainty.
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Verification Requirements
Identity verification and business authentication required. Additional documentation may be needed for very large amounts.
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Questions & Answers
Wire transfer essentials.
Wire transfer fee varies and is displayed before confirming each transfer in your account. Fee covers Federal Reserve network access, same-day delivery capability, and guaranteed funds delivery.
Wires sent before cutoff time typically deliver same business day, often within hours. Wires sent after cutoff or on weekends/holidays process next business day.
No. Wire transfers are irrevocable once sent and process immediately through Federal Reserve network. They cannot be cancelled or reversed.
Wire transfers support very large amounts. Very large transfers may require additional verification. Specific limits depend on your account verification level.
Incorrect information causes delays, rejections, or misdirected funds. Wire fees apply even if transfer fails due to incorrect details. Always verify recipient banking information carefully before confirming.
Complete tracking from send through delivery. Real-time status updates available in your account dashboard. Notification sent when recipient bank receives funds.
Cutoff times based on Federal Reserve processing schedules. Specific cutoff time displayed in your account. Send before cutoff for same-day delivery.
Wires can be initiated on weekends but process next business day when Federal Reserve network reopens. Same for banking holidays.
Same-day delivery
Transparent pricing
Guaranteed arrival
Trusted by 1M+ businesses
Domestic wire transfer services provided through Zil Money in partnership with banking partners. Wire transfer fees apply to all transfers. Exact fees displayed before confirmation. Same-day delivery applies to wires sent before daily cutoff time and subject to Federal Reserve network processing. Wires sent after cutoff, on weekends, or banking holidays process next business day. Wire transfers are irrevocable once sent and cannot be cancelled or reversed. Accurate recipient information critical for successful delivery. Incorrect information may cause delays, failures, or misdirected funds with fees still applying. All wire transfers subject to federal wire transfer regulations, anti-money laundering requirements, and know-your-customer verification. Very large transfers may require additional documentation. Wire transfer limits subject to account verification level. Banking services provided through FDIC member banks. All services subject to approval, identity verification, and terms of service. Terms apply. Visit zilmoney.com Terms and conditions.