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When you initiate a wire transfer, Bank Central will debit the amount out of your account. Then, the recipient’s bank will receive the payment through the Federal Reserve System. This will include instructions to the final recipient’s payment as stated in the request form. Finally, the recipients bank will receive the payment, and they will apply the money to the account you have provided.

Yes. Bank Central will only send transfers for our account holders. Your account must be open at least 90 days before initiating a wire transfer. Then, your account must have enough money to cover the wire transfer and fees. Please contact your local Bank Central branch for fee information.

To protect your account, we do not offer call-in wire transfer requests unless we receive a signed Wire Transfer Agreement. Visit your local branch with these items to complete your wire transfer request form:

1. Your state issued identification (driver/non-driver license) or passport
2. Recipient’s Information:
   • Bank Name
   • Bank’s ABA Routing Number and/or SWIFT Code
   • Account Number
   • Name
   • Street Address
3. Reason for the transfer (could include invoice/purchase order numbers, vehicle identification numbers, escrow numbers, etc.)

Yes, your account will be charged a wire fee for incoming or outgoing transfers. Please contact your local Bank Central branch for fee information.

The sender of the wire transfer will need to provide their financial institution the following:

• Receiving Bank:
  Central Bank
  238 Madison Street, Jefferson City, MO
  ABA Routing Number: 086500634 for domestic wires
  SWIFT Code: CTUSUS44 for international wire transfers
• Your Account Name: this is the name on your checking or savings account. The name on the wire transfer and the account to which funds are being deposited must match.
• Your Account Number: this is your bank account number. You can log into Online Banking and locate your account number under Account Activity in the Account Info section.
• Your Address: the mailing address that is associated with the checking or savings account the money will be deposited to.
• Additional Information: this can include reference information, etc.

1. Yes, we can process wires to most countries with a variety of currencies.
   • Please provide this information to initiate a wire transfer†:
     1. Recipient’s Information:
        • Bank Name
        • Bank’s ABA Routing Number and/or SWIFT Code
        • Currency Type
        • Account Number
        • Name
        • Street Address
     2. Reason for the transfer (could include invoice/purchase order numbers, vehicle identification numbers, escrow numbers, etc.)
2. International wires are not guaranteed to be received in the same business day, and it generally takes at least two days for the transfer to reach the intended bank. When you submit a formal request, specific disclosures will be provided.

†Some countries require additional information. Please contact your local branch Wire Transfer Specialist for country or currency specific requirements.

1. Please contact your local Bank Central branch if you submitted a domestic wire transfer request. You will need to provide the following information:
   • Your Name
   • Your Account Number
   • Date of the wire transfer
   • Dollar amount of the wire transfer request
2. If you submitted an international wire transfer, please read our Explanation of Rights.