With your Relay checking account1, you can send domestic wire payments to a payee. In order to send a domestic wire, you must first add a payee for the individual or business you are looking to pay.

For instructions on how to receive a domestic wire into your Relay account, please see Receiving a domestic wire.

Before you start

If you have not yet created a payee for the domestic wire you are sending, please see Adding and archiving a payee for instructions on how to do so.

Your Payee's Recipient address must be a valid physical address and cannot be a PO Box.

How to send a domestic wire

Web Mobile
  1. Sign in to your Relay account.
  2. Navigate to the Payments tab.
  3. Click New Payment at the top-right corner of your screen.
  4. Select a recipient from the list of payees shown or add a new payee.
  5. Select Domestic Wire as the payment method.
  6. Select the source account for the payment.
  7. Enter the payment amount.
  8. Customize the payment with the desired frequency, payment date, and memo2.
  9. Press Next once you have entered all the necessary information
  10. Once you have confirmed the payment details press Initiate Payment.

Limits, processing timeline, and fees

All accounts have limits on how much you can send by domestic wire per day and month. For more information on how to view your account limits, please see Viewing your account limits.

The recipient will receive your payment within 1 business day.

Please note: the cut-off time for a domestic wire payment to arrive in the recipient's account same-day is 1 PM EST. Any domestic wires sent after this time will be received the following business day before close of business.

There is a $5 fee to send a domestic wire from Relay. These fees are waived if you are a Relay Pro customer. The recipient may also incur additional fees from their bank, if applicable.

 

1 You can only send domestic wire payments from a Relay checking account. If you would like to move funds out of your savings account, you must first create an internal transfer in Relay between your savings and checking account.

2 When writing your payment memo, please provide a detailed business reason for payment. Memos that lack detail could be returned if the receiving institution deems them not compliant with regulatory obligations. We recommend adding information regarding what type of service was provided and any other specific indicators, along with the invoice number (if available).

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