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Wire Transfers

Moving money quickly and securely is important when timing matters. Whether you're sending funds across town or around the world, Citizens Independent Bank provides wire transfer services backed by local support and security measures designed to help protect your transactions.


Fast, Secure Money Transfers.

 

Wire transfers offer a reliable way to move funds between financial institutions for personal or business needs. From domestic payments to international transfers, CIB helps ensure your transfer is processed accurately and efficiently.

Why Choose Citizens Independent Bank?

 
  • Fast and secure wire transfer processing. 
  • Domestic and international wire capabilities. 
  • Local support from experienced banking professionals. 
  • Same‑day processing for incoming wires received before 3:00 p.m. CT.
  • Enhanced security measures to help protect against fraud.


























Receiving a Wire Transfer

 

Receive funds directly into your Citizens Independent Bank account quickly and securely. Whether you're receiving personal funds, business proceeds, or other transfers, having the correct information helps ensure timely delivery.

 

 
Information Needed for Incoming Wires
  • Account name
  • Account number
  • Bank routing number
  • Bank information and address
  • SWIFT/BIC code (Bank Identifier Code) and IBAN (International Bank Account Number), for incoming international wires

Sending a Wire Transfer

 

When sending a wire transfer, accuracy is critical. We recommend obtaining official wire instructions directly from the intended recipient before initiating a transfer. A signed Wire Agreement is required for wire requests not completed in person. 

 

 
Best Uses for Wire Transfers
  • Large‑dollar transactions
  • Time‑sensitive payments
  • Real estate transactions
  • Domestic and international transfers
  • Business payment needs
















Wire transfers are generally irreversible once funds have been sent. Taking a few precautions can help reduce the risk of fraud and protect your finances.

 

Wire Fraud Prevention Tips

  • Only send wires to people and businesses you know and trust. 
  • Be cautious of urgent requests involving emergencies or unexpected expenses. 
  • Never rely solely on email instructions without independent verification.
  • Verify wiring instructions using a trusted phone number. 
  • Remember that the IRS does not require tax payments through wire transfers.
Helping protect clients from fraud is a priority. During the wire process, a Citizens Independent Bank team member will discuss the purpose of the transfer and perform callback verification procedures to help confirm wire details before funds are sent.








We provide personal banking, business banking, mortgage lending, and financial services to businesses and individuals across the western Twin Cities. Explore our local banking locations in Saint Louis Park, Robbinsdale, Hopkins, and Plymouth to find the branch most convenient for you.