online wire transfer services

Now you can combine the efficiency of a wire transfer with the convenience of personal or business Online Banking. With Online Wires you can initiate, schedule, and check the status of wire transfers all from the convenience of your computer.

How to Enroll

You can enroll in Online Wires electronically within Personal Online Banking or you can download the Wire Application and Agreement for Online Banking and submit the completed form during your next visit to the bank. Or, mail the completed and notarized form to the address provided in the form. View the Online Wire Reference Guide.

Additional Wire Transfer Options

To learn how to initiate and receive telephone and in-person wires, see Wire Transfer Services.

Online Wires Features

Online Wires lets you enjoy more flexibility than in-person transactions.

  • Schedule transfers after hours for processing the next business day
  • Unlimited transactions
  • Transfer limit of $50,000 per day
  • Option to set lower limits
  • Recurring payments capability
  • Ability to create reusable templates
  • 24/7 status updates

Security features include:

  • Login authentication using Online Banking credentials
  • Either Dual Authorization (for business customers) or Enhanced Account Protection (EAP, for consumers or business) for additional authentication. As always, we recommend installing IBM® Security Trusteer Rapport® software. Available for free download directly from IBM Security.

Wires Agreements

Even if you already have a Wires Agreement in place with Zions Bank, you'll still need to submit a new Wire Application for Online Banking. The application can be completed in the following ways:

  • Electronically using the eSignature feature within Online Banking for Personal Online Banking
  • Completing the paper application and taking it to your local branch office
  • Or, by mailing the completed and notarized application to the address provided in the form

If you still have questions about online wires, then please review the frequently asked questions below or contact a Zions Bank representative by phone at 800-840-4999 (Mon. to Sat. from 7 a.m. to 8 p.m. MT.).

online wire transfer services FAQs

Wire transfer payments in Online Banking are available to both consumers and small business banking customers.

The agreement can be found in Online Banking.  Look under the Payments tab, then click on the Wire Application link. Or, look under the Services tab in the Account Services section. The Wire Application for Online Banking is also located in the Agreement Center of the bank website.

To enable wire transfers in Online Banking, you'll need to complete the Online Wires Application. This can be done electronically within Online Banking for Personal Online Banking clients or you can download and complete the “Wire Application and Agreement for Online Banking” and take it to any of our branch locations. This a separate agreement specifically for Online Banking Wires.

You can also sign the form in front of a notary and mail it to the following address:

Online Banking Wire Operations
PO Box 25726
Salt Lake City, UT 84125-0726

To use the Online Banking wires service, you must enroll in Enhanced Account Protection (1) if you're a business that doesn't use Dual Authorization, or (2) if you're a consumer. EAP is a free internal security tool for wire transfers and certain other types of Online Banking transactions. When your account is first enabled for wire transfers, you'll be prompted to enroll in EAP the next time you login to Online Banking (unless you are a business with Dual Authorization). Customers using EAP have seven days to enable the service to avoid cancellation of the wire application.

Business Online Banking customers have the option of using Dual Authorization instead of EAP. Dual Authorization requires two individuals to complete a transaction as an internal security tool for business accounts.

Domestic wire transfers (i.e., wires that are sent from one location within the US to a different location in the US) are available in Online Banking. To make an International (outside the US) wire transfer, you need to visit a branch location or call the Central Wires department. To call Central Wires, you will need to have a Wire Transfer Agreement already in place.   

Transmission of Federal Tax Wire Payments isn't permitted through Online Banking. To make a Federal Wires payment, you need to visit a branch location or call our Central Wires department. Business customers have the option to enroll in ACH Direct Deposit and Tax Payments as an alternative method of payment.

Once the bank has received your “Wire Application for Online Banking” form, allow three business days for processing. Once processing is completed, you'll have access to the wires functionality within Online Banking. All Online Banking wires are subject to the terms and conditions attached to that Wire Application.

There is no limit to the number of wires you can make through Online Banking.

If applying through Online Banking Electronic Enrollment you can set a transfer amount up to $50,000 per day. If you need to transfer more, you'll need to print and complete the application and take it to any of our branch locations and sign it there. You can also sign the application in front of a notary and mail it to the following address:

Online Banking Wire Operations
PO Box 25726
Salt Lake City, UT 84125-072

Yes, you have the option to set lower limits. To do this, simply specify a lower limit when completing your “Wire Application for Online Banking.” A new Wire Application is needed if you wish to change an existing limit.

The standard wire transfer fee that has been disclosed to you in connection with the deposit account you'll be using will also apply to wires transfers made using Online Banking. (Note: lower fees or fee waivers applicable to certain accounts or relationships may not apply to wires originated through Online Banking.)  

Wire transfer functionality can be found in Online Banking under the Payments tab. If this functionality is not enabled, you'll see a Wire Application link under the Tab menu.

An existing agreement for sending wires by other means (e.g. calling Central Wires) will remain in place for those wires, but the Wire Agreement for Online Banking will govern any wires you send via Online Banking. To enable the wire functionality in Online Banking, you'll need to download and complete the Wire Application for Online Banking. Then, submit by mail or take it to any of our convenient branch locations.