Process outgoing domestic client wire transfers for Capital City Bank consumer and business clients in person as follows:
 

Note: For a short training video, see the Instructional Video tab.

1. Verify the client’s identity by using this procedure: Clients in person.
2. For consumer accounts, verify the client is an account owner or authorized signer on the account to be debited for the wire transaction by reviewing the consumer signature card.
3. For business accounts, do the following:
   1.  Verify the client is an account owner or authorized signer on the account to be debited for the wire transaction. 
   2. Verify the client is authorized to initiate a wire including specified amount by reviewing the business signature card and applicable resolution or legal documentation (as appropriate).
4. Inquire on the existing account and relationship CIF(s), reviewing for current information and update accordingly:
   • Inquiry Identification Code (IIC) - required 
   • Mailing address
   • IRS address
   • Phone number(s)
   • Email address
   • Primary and secondary identification information (number, issue date, expiration date, etc.)
5. Inform the client of the applicable fee for the outgoing wire transfer. See Other Services & Fees.
   • Note: All wire fees for Private Client Checking Accounts (consumer only) are waived, including fees for wire investigations and returns. These accounts will be set up with waived fees by Deposit Services upon account opening, so NO changes should be made to any wire fees for Private Client Checking Account wires.
6. Determine if the client’s available balance is sufficient at the time of the outgoing wire transfer request. If not, stop. The client cannot initiate a wire transfer.
   • Note: Good funds are required.  On us checks may not be memo posted to affect the available balance in order to fund a wire.
7. Determine if there are any opposing circumstances related to the available funds, such as a recent deposit was made and a hold was not placed – verify the source of the deposit. Use caution.
8. In Xperience > SilverLake > Customer & Account Inquiry.
   1. From the drop-down menu, choose All Demand Deposits. 
   2. Enter the account number from which the wire will be debited and click Search. 
9. Verify that the available balance is sufficient to create the outgoing wire.
10. Select Related Functions > Wire Enter/Update.
11. The originator name and address fields display the primary account owner’s name and account address.
12. For consumer wires, do the following: 
    1. Select Relationships.
    2. Select the name of the account owner requesting the wire transfer.
13. For business wires, do the following: 
    1. Do not select the requestor's name from Relationships.
    2. Do not enter the requestor’s name. Wires coming from a business account must reflect the business name as the originator. 
    3. Note: P.O. boxes cannot be used when sending a wire. 
14. In the Wire Details Section > Wire Amount field,  enter the amount of the wire request. 
15. The Foreign Wire field defaults to No. You must select Yes for foreign wires. 
    • For procedures on processing foreign wires, click here. 
16. Verify the name and address on the Wire Entry screen agrees with the client's name and address requesting the wire. 
    • Note: A physical address must be used when sending a wire. A warning message will be received if you use a P.O. box.
    • Note: DO NOT add information to Address line 3. 
17. Do not change Wire Type 10 or Wire Subtype 00.
18. The Wire Source field defaults to FD.  
19. If the Analysis field is N, the Fee/Counter field displays the current Domestic Wire fee. If you are entering a foreign wire, change this fee amount to the current foreign wire fee. See Other Services & Fees.
20. If Analysis field displays E, the Fee/Counter field displays 122 for a domestic wire. 
    • If this is a foreign wire, change the field to 123. This is required for the correct wire fee to charge to the account analysis. 
21. Beneficiary - Enter the following information: 
    • Beneficiary Account # with a "D" in the Account Type box. (Review the IBAN countries list for those countries requiring an International Bank Account Number (IBAN). Additionally, Mexico requires a CLABE #). Note: If IBAN is provided, enter all the characters in the Beneficiary Account # field including letters and numbers.
    • Beneficiary Name
    • Beneficiary Address, if available.
      • If provided with a beneficiary address, enter the City, State and Zip in the corresponding fields.
      • If NO address provided, DO NOT delete the 00000-0000 that appears in the Postal Code field.
      • Note: DO NOT add information to Address line 3.  
22. For the Receiving Bank, select Valid ABA.  
    • Note: DO NOT manually type the receiving bank information in the Receiving Bank fields or override any messages that pop up regarding an invalid ABA when submitting the wire.
23. The Valid Transit Routing Numbers screen appears. Click in the Search field, enter the routing number provided by the client.
24. Click Search. 
25. The search displays a list of ABA numbers with the Telegraphic Name of the Financial Institution. 
    • Note: If the bank you are searching for does not appear, the routing number is not valid for wire transfers. DO NOT manually enter the ABA in the Receiving Bank field. The client will need to obtain valid wiring instructions.
26. If the bank does appear, examine the Fund/Transaction Status field.
27. If the Fund/Transaction Status is In-Eligible then have the client obtain a valid wire transfer routing number.
28. If the Fund/Transaction Status is Eligible, the routing number can be used for client wire transfers; highlight and click Select. 
    • Note: Bank names may be abbreviated; verify that the ABA number matches exactly as entered before selecting. 
29. The bank information fills in the Receiving Bank fields.
30. Enter any information regarding further credit of the wire transfer funds into the Originator to Beneficiary Information fields. 
    • For example: For payoff of loan 1234567; For Further Credit (FFC) Account #987654; For Rent Apt. 301-C, etc. 
    • Do Not enter any information in the Sender Reference or Beneficiary Reference fields; these do not print on the wire form.
31. Click OK on each screen until you receive the prompt to Print Wire before submitting / finalizing. 
    • Note: When moving through the remaining wire entry screens you may see OFAC messages; click through the OFAC messages until you reach the print page and proceed as usual. DO NOT mention OFAC messages to the client. Electronic Services works OFAC messages when the wire is reviewed before initiation.
32. Click OK, next to the print wire button, one more time before clicking print wire.
33. Print Wire form to send it to the Reporting Dashboard.
    • Note: If Previous is selected for any reason, immediately place the incorrect wire form in your shred bin.  A new wire form will need to be printed even if no changes have been made. This is because the wire sequence number changes when Previous is selected.
      • Print the wire request form again.
      • Review it for accuracy.
34. Once you verify the wire request form, click Submit Wire to authorize the wire transfer.
    • Note: If Previous is selected for any reason, a new wire form will need to be printed even if no changes are made due to the sequence number changing when Previous is selected.
35. Once submitted, the wire is sent to the ES - Wires group work queue for final processing.
    • If you need to make corrections at this point, immediately contact the ES - Wires group for assistance.
    • Click here for more on wire corrections after submitting to ES.
36. The client, input associate and approving associates (if applicable) will sign and date the form in the designated locations.
37. To accurately assess the purpose of the wire, ask the following questions:
    • What is the client’s relationship to the beneficiary?
    • How have they been communicating?
    • Have they ever met in person?
    • What is the purpose of the funds?
38. Briefly summarize the client’s response on the Wire Purpose (required) section of the form. If the client is unable or unwilling to provide a valid wire purpose it could be a red flag that either the client may be involved in a scam or other potential fraud.
39. Wires up to $50,000 can be approved by the input associate based on their Wire Input Authority and do not require a second approval. 
40. Wires greater than $50,000 require a second approval from an associate listed under Approval Authority on the Wire Approval Grid. 
    1. The approving associate must sign, date and provide their 4-digit employee ID # on the wire form in the designated location, or if working remotely, an email may replace the signature. The emails shall state "email in lieu of signature", include the employee ID# and all required information in (b).
    2. The approving associate will email the input associate indicating approval of the wire. The email must include: 
       • 3 pieces of identifying information specific to the wire being approved (for example: client name/account #, amount of wire, wire sequence #, or beneficiary)
       • Statement of Approval
41. Approvals must be completed prior to scanning the wire to Electronic Services (ES). 
42. Scan the wire request form and if applicable, a copy of the approval email to Electronic Services (ES). Note: Wire forms must be scanned for imaging at the time the wire request is completed. Refer to Wire Imaging Requirements. 
    • Final processing does not take place until the ES Wires Group receives and approves the scanned wire form and if applicable, supporting documents for approvals. 
43. See Scanning Wire Documents procedures.

Note: If you have more than 1 wire transfer you are processing for a client, you must scan each wire form and supporting documents separately, as they are recorded by sequence number.

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