Wire Transfers
Incoming Wires
An Incoming Wire Transfer is a secure method for electronically sending funds directly to a transactional or loan account at Oak View.
Click Here to download our domestic wiring instructions.
Click Here to download our international wiring instructions.
Outgoing Wires*
An Outgoing Wire Transfer is a secure method for electronically sending funds directly to a recipient using their bank account information. You can initiate a domestic or international wire from your account by visiting any of our branch locations.
Domestic
A domestic wire can be used to send money to a recipient located anywhere in the United States. To initiate an outgoing domestic wire, you will need to present the following information to us in-branch:
1) Dollar amount that needs to be sent.
2) Creditor Agent Name.
3) Creditor Agent ABA/Routing Number.
4) Creditor Agent Physical Address.
5) Creditor Name.
6) Creditor Account Number.
7) Creditor Physical Address.
8) Any applicable reference information.
9) Short transfer description.
>Creditor Agent = Beneficiary Financial Institution.
>>Creditor = Beneficiary.
International
An international wire can be used to send money to a recipient located in a country** outside the United States. To initiate an outgoing international wire, you will need to present the following information to us in-branch:
1) Dollar amount that needs to be sent.
2) Creditor Agent Name.
3) Creditor Agent SWIFT Code.
4) Creditor Agent Physical Address.
5) Creditor Name.
6) Creditor Account Number/IBAN.
7) Creditor Physical Address.
8) Any applicable reference information.
9) Short transfer description.
>Creditor Agent = Beneficiary Financial Institution.
>>Creditor = Beneficiary.
Wire Transfer Standard Change
The Federal Reserve transitioned wire transfers to a new global standard: ISO 20022, effective 7/14/2025. This will increase security, efficiency, and transparency in electronic payments.
Key Fields and Terminology Changes:
| Current Format (FAIM) | New Format: ISO 2022 format |
|---|---|
| Beneficiary | Creditor |
| Originator | Debtor |
| Originating Bank/Sending Bank | Debtor and Instructing Agent |
| Beneficiary Bank | Creditor Agent |
| Domestic Intermediary | Instructed Agent |
| International Intermediary Bank | Intermediary Agent |
| Routing Number | Agent ID |
| Reference Beneficiary | End to End ID |
| Address Line 1 | Building Number and Street Name |
| Address Line 2/3 | Department, Sub Department, Building Name, Floor, Room, Town Location Name, District Name, Post Box |
| City | Town Name |
| State | Country Sub Division |
| Zip Code | Post Code |
| Country | Country |
| Account Number | Account Number |
| Amount | Amount |
| Additional Information | Remittance Information |
| Purpose | Purpose |
Resources:
The Federal Reserve ISO 20022 Resource Page
*Oak View National Bank will not verify the information provided from the customer originating the transfer, with regard to where to send the wire transfer. The originating customer assumes responsibility for the accuracy of all information that is used for the wire transfer. Once Oak View National Bank executes the payment order, the payment cannot be stopped or canceled. All outgoing wires are subject to a wire transfer fee.
**Oak View National Bank is limited to which countries it can send wires to.