Wire Transfers at Pinnacle Bank Texas: Domestic and International Sending Made Simple

Personal Account Holders

Visit any Pinnacle Bank Texas branch with a valid government-issued photo ID and the recipient's banking details. Our wire desk will prepare the transfer, verify your identity and confirm the details before submission. You can also initiate a wire request by calling 972-555-0100 — a callback verification step is required for phone-initiated wires as an additional security measure.

For real estate transactions, your title company or closing agent will provide specific wire instructions. Always verify wire instructions by calling the title company directly at a known phone number — never rely solely on emailed instructions, as wire fraud schemes often target real estate closings. The FTC provides guidance on protecting yourself from wire fraud.

Business Account Holders

Business clients with treasury management access can initiate wires directly through the online banking portal. The system supports saved wire templates for repeat recipients, reducing entry errors and speeding up the process for recurring payments. Dual-authorization is required for wire amounts exceeding your company's single-approval threshold — typically set at $10,000 but customizable.

For high-volume wire senders, Pinnacle Bank offers batch wire processing and standing wire instructions. These features are configured during your treasury management onboarding and can be adjusted at any time by contacting your relationship manager.

To receive a domestic wire, provide the sender with Pinnacle Bank Texas's ABA routing number, your full account number and your full legal name as it appears on the account. For international incoming wires, also provide our SWIFT/BIC code. Contact 972-555-0100 or visit any branch to obtain your specific wire receiving instructions.

Domestic incoming wires typically post to your account within hours of receipt during business days. International incoming wires may take 1-2 business days after the funds arrive at our correspondent bank. You will receive an account alert when the wire posts to your account.

Incoming wire fees are $15 for both domestic and international transfers. There is no fee to receive wires into business accounts that carry a treasury management package with wire services included. Ask your relationship manager about bundled pricing for accounts that regularly receive wire transfers.

For questions about a wire that has not arrived as expected, our wire desk can trace the transfer using the Fedwire reference number (domestic) or SWIFT reference number (international). Call 972-555-0100 during business hours for wire tracking assistance. Most tracing requests are resolved within 24 hours.