How Soon Can a Wire Transfer Be Available in My Checking Account?

Wire-transferred funds typically appear within 24 to 48 hours.
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A wire transfer is a bank-to-bank transaction in which a sender goes to his bank and has money transferred from his account to another person's account at the same bank or in a different bank. Typically, an interbank transfer occurs in the same-day. It can take one or two business days for a wire transfer to go from the sender's bank into the receiver's checking account.

1 Transfer Basics

The reason it normally takes longer for a transfer to cross from one bank to another is that the transfer must go through the Automated Clearing House -- ACH -- security check. This process takes one or two days in most cases. If the transfer doesn't clear because of a lack of funds, or because of an error on the receiver's end, you should get notified after a couple of days. Once the funds clear, they are typically available immediately.

Neil Kokemuller has been an active business, finance and education writer and content media website developer since 2007. He has been a college marketing professor since 2004. Kokemuller has additional professional experience in marketing, retail and small business. He holds a Master of Business Administration from Iowa State University.