An in-house wire transfer is initiated when an associate requests an outgoing wire on behalf of a bank client with supporting documentation related to a loan payment, loan disbursement, Certificate of Deposit Account Registry (CDARS) transfer or other type of internally-initiated transfer. Internal accounts have fees waived automatically and associates must never change the fee waiver code on an internal account.

The client does not have to be present in the retail office to perform this transaction, as the requesting associate is doing so on his/her behalf. 

The requesting associate provides the input wire associate with the supporting documentation and authorization related to the wire request. Note: This documentation is not required to be scanned with the wire form. 

The associate originating the In-House Wire Transfer (requesting associate) cannot also be the input wire associate due to separation of duties requirement.

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.

To process an in-house  wire transfer do the following:

1. Fund the wire transfer - The wire proceeds must be transferred into the CCB Wire Transfer Settlement DDA prior to processing the wire transfer. 
2. Complete a Checking/MMA Deposit ticket for the amount of the wire transfer with the following information:
   • Date
   • Capital City Bank Wire Transfer Settlement
   • Amount
   • Account Number - 100080118
   • Brief Description - Name of client 
   • Offset
   • Associate's first initial/last name and phone extension 
3. Complete the applicable debit ticket for the amount of the wire transfer.  For example: Loans In Process GL ticket, Checking/MMA Debit Memo, etc.
   • The deposit amount must be memo posted to the Capital City Bank Wire Transfer Settlement Account to reflect in the available balance.
4. Take the Checking/MMA Deposit ticket with the applicable debit ticket to the teller line for processing. 
5. In Xperience > Customer & Account Inquiry.
   1. From the drop-down box, choose All Demand Deposits.
   2. Enter the account number for the Wire Settlement Account#100080118 and click Search. 
6. Click Related Functions > Wire Enter/Update. 
   • The account name and address defaults to the account title/address (CCB Wire Settlement, PO Box 900 Tallahassee, FL). 
7. Change the Originator Information section to Capital City Bank and the CCB department name and physical address from which this wire will be sent. 
   • For example: Capital City Bank, Residential Lending, 1301 Metropolitan Blvd., Tallahassee, FL 32308
8. In the Wire Details Section, enter the amount of the wire request in the Wire Amount field. 
9. Foreign Wire defaults to No. For consumer or business foreign wire, select Yes.
10. Ensure that the name and address on the Wire Entry screen agrees with the information for the CCB department previously entered. Note: A physical address must be used when sending a wire. You will receive a warning message if you enter a PO box.
11. Do not change Wire Type 10 or Wire Subtype 00.
12. The Wire Source field defaults to FD.  
13. For an in-house wire, the Analysis field is coded as W – Waive fee. 
14. For an in-house wire, the Fee/Counter field does not display.
15. 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
16. 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.
17. The Valid Transit Routing Numbers screen appears. Click in the Search field, enter the routing number provided by the client.
18. Click Search.
19. 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.
20. If the bank does appear, examine the Fund/Transaction Status field. 
21. If the Fund/Transaction Status is In-Eligible, have the client obtain a valid wire transfer routing number.
22. 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. 
23. The bank information fills in the Receiving Bank fields.
24. 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: or For Further Credit (FFC) Account #987654. 
    • Do Not enter any information in the Sender Reference or Beneficiary Reference fields; these do not print on the wire form. 
25. Click OK on each screen until you receive the prompt for an input associate to print and review the wire before submitting / finalizing.  
26. Note: If this is a Foreign Wire or an Intermediary Bank Wire, see additional steps below before printing wire form. Otherwise, proceed to step 27, Printing Wire Form.
    1. Use the Expand Screen Option.
    2. In the Beneficiary FI Identifier field enter the bank Swift Code.
    3. From the drop-down menu choose B - Bank Identifier Code.
    4. If this is not a foreign wire, but a smaller institution with a valid routing number or account number using an Intermediary Bank, select F - FRB Routing # or D - DDA Account (refer to wiring instructions).
    5. In the Beneficiary FI Name field, enter the final beneficiary bank name.
    6. In the Beneficiary FI Address field, enter the final beneficiary bank address, when available.
    7. Continue through the remaining screens until you receive the prompt to print the wire form.
27. 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.
28. Once you verify the wire request form, click Submit Wire to authorize the wire transfer. 
29. 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.
30. The requesting associate must sign on the Client Signature line and write his/her 4-digit employee ID# (associate #), and write In-House next to his/her signature. Obtain all other required signatures as applicable.
31. Wire Purpose (required) - write in the purpose of the wire transfer.
32. 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. 
33. 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
34. Approvals must be completed prior to scanning the wire to Electronic Services (ES). 
35. 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. 
    • 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.