Business Banking

eBanking - Wire Transfers Online

Take control of the money you have to move quickly with eBanking Wire Transfer services from Chemical Bank. Any business, large or small, can initiate both Domestic and International Wire Transfer instructions.

Wire Transfers are:

  • economical - it is usually less expensive than utilizing services like Western Union for larger dollar transactions
  • useful - it helps you to manage your cash flow providing the payee with quicker access to the funds
  • secure - it provides guaranteed funds
  • easy-to-use - wire transactions can be transmitted with a few clicks of your mouse and templates can be maintained for repetitive wires

Transaction Type
Transmission Day
System Cut-Off Times
Wires
Same Day as the Effective Entry Date
2:30 PM (ET)

You will find an eBusiness Banking application and other resources on our eBanking Info page. For more information, stop in or call any Chemical Bank Location or call an eBanking Specialist at 1-866-804-4592. One of our representatives will be happy to answer all of your questions.

Additional Costs and Fees Apply

Wire Transfers Frequently Asked Questions (FAQs)

A wire transfer is an electronic payment service for transferring funds by wire (for example through the Federal Reserve Wire Network or through our US correspondent bank via their online service).

The Wire Transfer Service allows you to move money quickly and securely to any bank account in the United States and abroad right from your own computer. Best of all, there’s no software required and no monthly fee for the service. You will be charged a fee only for each wire transfer you make.

If you are currently a Chemical Bank Online customer, follow these steps:

  • Log on the Chemical Bank Online for Business
  • Go to Funds Transfers page
  • Click the Wire Transfer tab
  • Click the Initiate Freeform tab

If you are new to Chemical Bank Online for Business, you can enroll online or call 1-800-943-7386 for our Customer Care Center or ask for eBanking.

To send a wire transfer, logon to Online Banking.

Or, visit your nearest Chemical Bank banking center. We cannot accept wire instructions through email or fax because your signature is required and must be witnessed by a representative of the bank.

For business customers, you can initiate wires with repetitive instructions over the phone. To initiate wires by phone:

  • Complete a Wire Agreement at the branch. You will be assigned a personal identification number (PIN). Your PIN will arrive by mail in 10 to 14 business days. You will use this PIN to initiate wires over the phone.
  • Wires sent to the same account regularly will be assigned a Repetitive Wire Code. Your code number will arrive by mail in 10 to 14 business days. You will use this code to initiate wires over the phone. For each transfer, only the dollar amount of the wire may change.

To wire money using our online banking, you will first need to register for the service and then set your beneficiaries or recipients. To set up whom you want to pay, you will need the following information from the Recipient:

  • Recipient Name
  • Recipient Account number
  • Recipient Mailing address with city, region, country and postal zip code
  • Recipient Bank routing/Swift code number
  • US dollar amount to be transferred
  • Once you set up the Recipient Information you will just need to select that number from your list of Recipients.

    Or, visit your nearest Chemical Bank banking center and complete a wire transfer authorization form.

The ABA routing number is a 9-digit number assigned to financial institutions by the American Bankers Association (ABA) to identify the financial institution upon which a payment was drawn. Routing numbers are sometimes referred to as “check routing number”, “ABA numbers”, or “routing transit numbers” (RTN).

The routing number of Chemical Bank is 072410013.

Yes, someone with your account information can wire funds directly to your Chemical Bank account.

To receive a wire transfer to your account, please provide the following information to the individual or business that is sending the wire:

  • Domestic (within U.S.):
    • Wire routing transit number: 072410013
    • Bank Name: Chemical Bank
    • City, Sate: Midland, MI
    • Your Account Number: Your 6-10 digit account number
    • Title of Account: The name of your account as it appears on your statement
  • International:
    • Wire routing transit number: 072410013
    • SWIFT Code: CHEMUS33
    • Bank Name: Chemical Bank
    • City, State: Midland, MI
    • Your Account Number: Your 6-10 digit account number
    • Title of Account: The name of your account as it appears on your statement

Please call us at 1-800-943-7386 or your local Chemical Bank office for details.

Please call us at 1-800-943-7386 or your local Chemical Bank office for details.

Chemical Bank’s SWIFT Code number is CHEMUS33. While not always required, a Swift Code number may be required by some banks for the completion of foreign wire transfers. The Society for Worldwide Interbank Financial Telecommunication (SWIFT) is the global provider of secure financial messaging services. SWIFT is a member-owned cooperative that provides the communications platform, products and services to connect over 9,000 banking organizations, securities institutions and corporate customers in over 200 countries. SWIFT enables its users to exchange automated, standardized financial information securely and reliably. SWIFT can help improve customer service by enabling higher transparency on the end-to-end payment chain and reduce total elapsed time of transactions, international wires or payment inquiries.

The International Bank Account Number (IBAN) is the international standard for identifying international bank accounts across national borders.

The IBAN is comprised of a maximum of 27 alphanumeric characters within Europe and a maximum of 34 outside of Europe (German IBAN: 22 characters). At present, the United States does not participate in IBAN. Therefore Chemical Bank does not have an IBAN number.

When sending wire transfers to countries that have IBAN numbers, we recommend including those numbers in your wire transfer request. According to the European Directive, only the account-keeping bank may calculate the IBAN/check digits. To obtain the IBAN numbers of another bank, please visit that bank’s website or contact them directly to obtain that information.

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